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I love mail-in rebates, because I have perfected the art of receiving them. It can be a royal pain-in-the-ear, but if you are willing to do a little extra work, you too can get save a remarkable amount of money on rebates.

How do you know when to go for or forego a rebate offer? Here are some tips to help you get your time and money's worth. Some of these tips are well-known, and others are common sense things that people forget in the heat of the retail moment.

Before

1. Do You Really Need It?

Take a really deep breath and assess if you need the product. Can you get by with a lesser model? You probably can. It is really, really easy to get sucked into the bottom line on a rebate, thinking it's a great deal. It may be a good deal, but do you even need it? I know this seems obvious, but the power of the rebate is a powerful, dark, evil force that science has yet to fully comprehend.

2. Do You Have the Rebate Form?

Make sure you know where the rebate form is. Ask an associate to provide you with the form. If they say, "It's online" ask them to provide you with the URL. If they don't know what a URL is, and they probably won't, don't take the offer. If the form is in the box, make sure that the store has a fair return policy, should you find the rebate terms too onerous.

3. Read the Fine Print

There are all kinds of stupid restrictions on rebates. You sometimes have to wait for a while before you can send in the rebate, or send in several copies of it, or send them your phone bill for the next three months. Know this BEFORE you take the offer and decide if you can accept it or not. Keep in mind that sending copies of your phone bill is sending your very personal information to complete strangers who may turn around and sell it.

4. Is It Worth Your Time?

Assess the time it will take to do what they want and figure out if your time is worth it. An hour? Two hours? How much money are you saving? If I was saving $150 for an hour's worth of work, I'd totally go for the rebate. If it was $30 for 1.5 hours, I just might not. Also, if you don't have your own photocopier, then it's probably not worth your effort to go to Kinko's and try to do the work there. Know how much your time and effort are worth. In fact, I almost never take an offer for a rebate that is less than $100.

5. Don't Throw Out the Box

Duh. Actually, don't throw out anything. Until you see that the rebate check has cleared in your bank account.

6. Don't Be Lazy

This is your money, and you should get it back. My mother bought two sets of cell phones over the past five years or so. For the first round, my boyfriend and I handled everything — ordered, received, photocopied, filed, even addressed, sealed, and stamped the items that needed to be sent out — taking maybe 25 minutes of our time. Mom got all of her money back, although she complained bitterly about having to send them certified. The next time she bought phones, she filed nothing and still blames the phone company for not giving her her rebate. The rebate she never asked for, because it was a hassle.

After

7. Fill Out Everything

Do this as soon as you get home. Right away. ASAP. They companies want you to forget, so don't do what they want.

8. Make Photocopies of Everything.

Sometimes the company wants a photocopy, sometimes they want the original. Follow the instructions carefully, but regardless of what you need to send them, make extra photocopies for yourself. Digitally photograph the product and product packaging, as well. Every form, every receipt, every UPC symbol must be copied. Twice. Document, document, document. Put together a file folder called "Rebates" and keep all the info stored properly in there.

9. Send Via Certified Mail

Send everything certified mail, so that a signature is required for the company to accept the package. Consumerist says you should get your photocopies or forms notarized.

Follow Up 

10. Email or Call

Large companies will do all they can to pretend that they have no idea what you are talking about — that's why you kept photocopies of everything. Email is a great way to keep a written record (avoid web forms, if possible, since you don't get to keep a copy), although phone calls are faster. As with all CSR-related phone calls, make sure to ge the name and ID number of your representative right off the bat.

11. Complain With Class

Screaming gets you nowhere, and I definitely speak from experience on this. Hanging up also doesn't help much — the resounding smack of the handset slamming into in the cradle is just the sound of your rebate disappearing into a void.

12. Threaten, but Nicely

The Better Business Bureau, your state's Attorney General, and Consumerist all love to hear about this kind of stuff, and companies don't really want these groups looking into their lousy customer service. I have a feeling that a lot of CSRs have heard of Consumerist now and REALLY don't want their name up on a web site like that. Let them know that you understand how difficult the process can be, but after a fair warning, you are going to do your best to besmirch their name.