and finally, financial feminist podcast host tori dunlap tons of bills are negotiable, including your phone bill, a cable bill, your car insurance, even your credit card. >> interest rate is negotiable when it comes to negotiating a couple really key things one, the other person on the other side of the line is a real person. be polite. be considerate. second thing is to express your loyalty. anytime you can. >> another pro tip cancel subscriptions such as streaming or gaming services. >> the first time i ever tried negotiating my bills, i saved $1,200 in the first year. for nicole. some of these tips have already paid off. >> i've looked through my items and i have a printer and a laptop that are both in very good condition that i'm hoping to sell off. i'm also already reduced my phone bill amount by adding in a veteran discount, so i'm hopeful that that will reduce the amount i'm owing in 2024. >> so many great tips i have to work on those subscriptions as well. moving on. teeny tiny balls of styrofoam have created a big environmental danger at a lake tahoe beach. so just ahead, a g