Every Wednesday features a snowflaking tip from one of the Snowflake Revolution member blogs. This may be a place to find snowflakes, a method to use snowflaking, or anything else I find! If you’d like a chance to be included, send links to your best snowflaking posts to me through the join page contact form.

This week’s tip comes from Lulugal at How I Save Money. Her tip is to lower the interest rates on your credit cards. When I had credit card debt, this was a strategy I employed to my advantage, both getting my interest rate on my credit card lowered by calling and asking, and then also transferring my debt to a 0% offer. Lulugal also got her interest rates lowered - sometimes even more than once! She kept calling until it worked.

Remember, the worst they can say is no. What do you have to lose?