During these difficult times, the old adage "every penny counts" has become more relevant than ever.

Before you slash your budget and take on a second job, make 10 phone calls to find ways to reduce your costs:

Credit cards: Ask for a lower interest rate and for the annual fee to be waived.

Utilities: Have an energy audit to determine what updates or fixes will ultimately save money.

Cable TV: See what new programs they are offering and make sure you are on the right plan for your needs.

Phone: Whether it is a land line or cell phone, compare providers and plans for the best price.

Internet service provider: Ask for deals or whether bundling several services such as cable TV, Internet and phone makes sense.

Property and casualty insurance: Ask your agent to review your vehicle, homeowners and umbrella insurance policies. A defensive driver's course usually knocks 10 percent off a portion of your auto insurance.

Mortgage lender: Interest rates are at an all-time low. Compare your rate with those available.

Bank: Give your bank a call to make sure you are situated with the best accounts and lowest fees.

Gym: Be aware of alternatives provided in your town and seek information about their membership costs.

Human resources department: Learn about all the benefits provided by your employer. Some employers provide discounts to local companies.

Susan C. Schneider is a representative of Colgan Capital, a private wealth management firm in Pittsford. She can be reached at (585) 419-2272 or www.colgancapital.com.