Saving money can be easier than you think. Here are three simple ways to save $100 in 10 minutes each. 1) Call your credit card companies and get your fees removed – This includes yearly fees, late fees, membership fees, application fees and over-the-limit fees. Every company should remove at least one fee if you ask, and many will remove up to a year’s worth of fees. Especially if you are carrying a balance on the card. Ask politely, or ask for a manager and you will be surprised at the results you get. 2) Call your cell phone company and re-negotiate your contract – Remove any nonessential features that you are being charged for, and flat-out ask how you can lower your bill. This should save you far more than $100 in a year’s time. If they don’t want to work with you, just threaten to transfer your service to someone else. 3) Make a two week grocery list – Taking the time to plan your shopping trip will eliminate all of those extra little trips to the store. You know what I mean – the ones where you forgot an ingredient or worse yet, ran out of something you