When's the last time you did a line-by-line review of your operating costs? Retail expert William Smith says you can cut expenses by going through the list and calling every provider (from insurance to phone companies). Here's what he suggests you say: "I noticed you have a price increase, and I'm thinking of moving to another vendor. Before I do, what can you offer me if I stay with your company?" Every dollar you knock off your expenses is profit -- and doesn't require you to buy or sell anything to earn it. We have several Giftbeat subscribers who tell us they do this at the start of every year, and they always save money!