Ask HTM: Cutting Costs by Replacing Light Bulbs, Negotiating a Lower Credit Card APR, and Peer to Peer Lending – Episode 104

July 15, 2019

This week on the pod we’re answering your questions! 1 – Should I keep my car payment around in order to boost my credit score? 2 – When does it make sense to replace old light bulbs with new LEDs? 3 – Is it worth disputing my property tax bill? 4 – How can I negotiate a lower APR on my credit cards? 5 – I’m considering joining Lending Club as an alternative way to invest my money- is this a good idea?

If you have a question for us, we’d love for you to submit your own via

Additional resources:

  • If you have old incandescent light bulbs it’s time to make the switch- these Sylvania LEDs at $1 per bulb are tough to beat!
  • Here’s a simple script for negotiating a lower interest rate on a credit card: “Hey there (use their name), I’ve been a loyal customer of (bank name) for the past (however long) years. I’d love to be able to lower my interest rate with y’all* as there are several other credit cards who are offering better rates than what I currently have with (bank name). You can also see that I’ve paid my bill on time for the past several months. In order to keep me as a loyal customer, could you offer me a lower rate?” *use of y’all not required but pretty sure it’ll help!

During this episode we enjoyed A Visit to My Crazy Aunt by Insight Brewing- a big thanks to Riley in Minnesota for donating this beer to the show! And if you enjoyed this episode, be sure to subscribe and give us a quick review in Apple Podcasts or wherever you get your podcasts- we’d love to hear from you.

Best friends out!

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