I thought I would throw something out to all my frugal friends.
I ALWAYS, ALWAYS ask for discounts, if I think I can get them and often when I think I can't. Last week I got a bill from my cardiologist. I had gone for a routine stress test and my part of the bill after insurance was $101 dollars. I had not problem paying that. I expected it and we had the money.
When I called to make a payment, the lady asked if I wanted to pay in full. Well, that amount, I did plan to pay in full but you know me. I said, "Well, unless you can give me a discount." And she said she could!! She gave me a $30 discount just for asking. I didn't have to tell her I was broke or anything!
So, always ask for a discount.