I know I've already posted about this topic a few months ago, but as I continue to move through life-trying to spend as little $ as possible, I'm realizing that this was and continues to be one of the most important ways to save $$$, so it bears repeating (and I'll probably repeat it again before the end of the year!).
In just the past two months, I have successfully disputed over $3k worth of erroneous charges on my credit card from vendors who didn't do what they were supposed to do-and thought that if I didn't pay attention, they could get away with it-shoddy workmanship, missing items of an order, discounts that were promised but didn't materialize, you name it. ...and while I pushed back on the vendors at the time with promises they would correct the work/make good on the charges...they didn't. By paying close attention to my credit card bills, I was able to see that the corrected charges didn't happen and I followed up with my credit card companies and disputed the charges. Always successful. Always with documented detail. Always with clarity and statements of fact (not emotion). So, please: pay attention to your credit card charge details every month! You never know when your awareness will pay off, and this has easily saved me over $300 this year alone.
...and apparently, I'm not alone in this. According to Amanda Mull of Bloomberg, American consumers have claimed for 158 million transaction disputes in 2025-which is up 29% since 2021, and a greater growth rate than actual transaction volume alone.
The second instance of this activity has come from reviewing my electric bill. I have found instances of account credits not being applied properly, and have called about this twice in the past 5 months. Getting the issue fixed is easy enough-but had I not *paid attention*, I would have never noticed the over charges. While this has only added up to maybe $20, for a few minutes of my time, I will happily take the $20 back in my pocket!
So, NEVER stop paying attention.
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