The Routine Library
Twenty copy-paste routines that save you money and time. New routines are added here as companies change their playbooks.
The $190 That Almost Got Away
A reader returned rented equipment, missed the credit window, and got the official answer: the $190 fee stands, nothing we can do. So they kept asking. Not angrily,...
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Find the Charge That Shouldn’t Be There
Credit card statements are where money goes to hide. The duplicate charge from a hotel that billed you twice. The refund the store promised "in 3 to 5...
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Free Money, Legally
People leave billions of class action settlement payments on the table each year. Not because they're ineligible, but because they never heard about it or the deadline slipped...
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Your Name Is on a Check Somewhere
Every state runs an unclaimed-property program holding forgotten money: utility deposits, uncashed paychecks, dormant bank accounts, insurance payouts. It sits there for years, sometimes decades, waiting for the...
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Use It or Lose It
Flexible spending accounts have a cruel design feature: unspent money can evaporate at year end. The forfeiture has a polite name ("use-it-or-lose-it"), but let's call it what it...
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The Reimbursement Paper Trail
Many employers offer benefits that pay you back for things you're already buying: wellness stipends, fitness reimbursements, massage or mental-health allowances, professional development funds. The money is real,...
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The Bill Your Doctor Can’t See
Medical billing is the only industry where the invoice, the insurance statement, and the provider's own ledger can all disagree, and you're expected to sort it out while...
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