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Energy Bills, Thermostat

Invest in a programmable thermostat. Studies show that
the average household can save over $250 a year with
this one piece of technology.
6.5 6.5
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Money Savings-Family Clothing

Shop local consignment, re-sale and thrift stores on
a regular basis. Brand name good quality clothing
can be bought for a fraction of the original cost. I
shop these stores at least once a month, sometimes
more, to look for newly shelved merchandise.
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Credit Cards

Pay more than the minimum amount due each month. Paying
just $10 more a month than the minimum will greatly
reduce your payoff time and save drastically on interest
charges.
6.5 6.5
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Stay Motivated

Stay motivated. List reasons you should save; read them when
you are tempted to stray from your plan.
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Ethnic Grocery Stores

Shop for ethnic groceries at ethnic markets if possible.
The savings can be dramatic.
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Save Money On Onions

Buy a 3 pound bag of whole onions. Peel, then chop the
onions in a food processor. Freeze in half cup portions
in small plastic freezer bags.
6.5 6.5
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Energy Bills

Use draft guards or door sweeps at the bottom of
doors to block cold air.
6.5 6.5
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Sunday Paper

Get your cityīs Sunday paper to take advantage of the
many grocery coupons included. The coupon savings
pay for the paper many times over.
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Credit Cards

Find the best card you can if you must have a credit
card. Look for cards with these features:
No annual fee.
25 day grace period.
Accepted in many places.
Low interest rate.

Go to
www.bankrate.com or
www.cardweb.com
to check on current credit card offers.
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Mattresses

Flip your mattresses every three months to save the
mattress life and save you money.
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Property Taxes

Find out if you are paying too much in property taxes.
Go to the tax assessorīs office and ask for your
public assessment information. Look for obvious errors,
such as being charged for 5 bedrooms when you only have
4. Then compare your assessment and property tax to
that of other houses in your neighborhood with similar
square footage and lot sizes.
6.4 6.4
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Watch The Register

Watch the cash register like a hawk. Make note of
sale items when you pick them up so you will know the
correct price when you get to the register. Also check
your receipts for any mistakes.
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Store Sales

Check out different stores and pick about 6 that you really
like and visit them frequently. Checking items
frequently will let your learn the stores markdown
cycles and you can get items you want on sale.
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Energy Bills

Lower your water heater temperature to 120 degrees.
Water heater costs can account for up to 25 percent of
your household energy bill.
6.4 6.4
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Educate Yourself

Become your own financial guru. Educate yourself and
you will become much more savvy about investments and
retirement plans.
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Avoid Debt

Avoid debt. Pay cash for as many purchases as you can
and keep credit cards only for emergencies.
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Automatic Payment Systems

Use automatic payment systems whenever possible to
pay bills. This way bills are not late and you donīt
pay late fees.
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Money Savings-Video Rentals

Check with your local video store manager to see if and
when they offer specials on video rentals. Most stores
offer special kids movie days and also other in store
specials.
6.4 6.4
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Money Savings-Using Coupons

Involve your family and friends in a round-robin coupon
swap. Send the coupons you donīt use to the next person
on the list and keep out the ones you donīt use. Hundreds
of money saving coupons can be generated this way.
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Grocery Shopping

Grocery shop only with cash, not checks or credit cards.
That way you will not be tempted to spend more than
you had planned.
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Credit Cards

Make sure you know your cardīs limit and what your current
balance is. Many credit card companies will let you go
over your limit and then hit you with over the limit
fees of $25 or more. Buyer beware!
6.4 6.4
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Save Money On Cheese

Instead of buying shredded cheese, buy a block and shred
it yourself. You can save about $1 a pound by doing
this.
6.4 6.4
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Light Bulbs

Replace incandescent bulbs with compact flourescents.
They more expensive but cost about 1/4 to operate
and last 10 times longer.
6.4 6.4
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Saving Money

Buy fruits and vegetables in bags for the best value.
Pick the sacks that weigh the most and watch out for
bruised or spoiled items.
6.4 6.4
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Save Money On Lemons

Buy bagged lemons rather than individual ones. Lemons
will keep for weeks in the fridge.
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Real Estate

Choose a lower cost area in which to live. A little
research can save a lot of money.
6.4 6.4
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Money Saving-Investing For College

Money can be invested for college by using a Dividend
Reinvestment Plan. Some companies offer entry into
the plan for as little as one share of stock. Dividends
from stock shares owned are reinvested in more shares
of stock. Consult a stock broker or visit an online
broker and get started saving for college today.
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Track Expenses

Understand that small purchases add up. Track expenses
to find easy savings.
6.3 6.3
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Buy In Bulk

When your basic grocery items that you use most often
go on sale, buy in bulk to stock up.
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Credit Cards

Pay off credit cards with the highest interest rates
first, not the ones with the highest balances. The higher
interest rate costs you more money over time.
6.3 6.3
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Commit To Saving

Make a committment to start saving money. Tell yourself
Iīm going to start saving today and then do it.
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Grocery Store Sales

Find out what days your favorite grocery store starts
their weekly sales and what days they stock the most
new items to get the best deals on the freshest items.
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Energy Bills

Install heavy duty shades or thick drapes on interior
windows to cut down on heat loss.
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Simple Savings

Create a simple savings plan. Make cutbacks that bother
you least.
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Keep A Money Diary

Keep a money diary. Write down every single purchase
you make. You will see exactly where you money goes
and stop spending where you shouldnīt.
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Credit Cards

Scrutinize your bill each month. If you find something
questionable or unacceptable, write the card company a
letter immediately pointing out the billing error, specify
the problem and request it be credited to your account.
Keep a copy of the letter for yourself and mail the other
certified mail, return receipt requested to the
credit card company. Within 30 days they must reverse
the charge, fix the problem or tell you they will
investigate.
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Buy Store Brands

Buy store brand alkaline batteries. Store brands
perform as well as the priciest brand names. When
you see the store brands on sale, stock up.
6.3 6.3
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Save Money On Carrots

Instead of buying shredded carrots, buy whole carrots
and peel and shred them yourself. You will save about
$2 per pound.
6.3 6.3
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Eat Cheap

Instead of planning your menu then going shopping,
first look at whatīs on sale and your Sunday coupons
and plan your meals around that.
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Videos

The next time you want to rent a movie for the family,
visit your local library instead. Many popular titles
can be found at the library and you can check them out
usually for no charge.
6.3 6.3
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Credit Cards

Read every piece of mail your credit card company sends
you. Especially the fine print. Check to see if they
have instated a rate change. If so, call them and see
if they will reinstate your old rate. If not, consider
switching cards. You do not have to accept the new
rate and paying off the balance at your current interest
level. But if you make any new charges, the rate will
instantly go to the higher one.
6.3 6.3
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Coupon Traders

Search out other coupon shoppers on the Internet and
seek to trade coupons. Give coupons for items you do
not use for coupons that you do.
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Automobiles

Leasing a car works best for people who drive less than
15,000 miles per year and who keep the car for four
years or less.
6.3 6.3
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Real Estate

Buy a house that is just big enough for your familyīs
needs. A larger than needed house costs more to buy
and maintain.
6.3 6.3
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Set A Savings Goal

Set a savings goal. It is motivating to measure progress.
6.3 6.3
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High Tech Savings

Hold off on buying that new high tech gadget. Technology
gets better and cheaper as time goes on. Wait a little
while and save a lot of money.
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Credit Card Balances

Always keep a running check on your credit card
balances. Losing track of where you stand with
your credit card is one of the quickest ways to get
into debt.
6.3 6.3
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Money Savings-Videos

Check your local video store for previewed movies that
are on sale. I have bought family videos for as little
as 3.99 from our local video store by buying previewed
tapes.
6.3 6.3
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Money Savings-Freebies

Surf the web to find hundreds of legitimate free offers
for everything from food to clothing and more. Internet
freebies are a great way to save money for the whole
family.
6.3 6.3
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Stop Impulse Spending

Donīt carry extra cash. Impulse spending can be
cut drastically if you donīt have extra cash on
hand.
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Saving Money

Grocery shop less often. See how long you can go
between shopping trips. Be creative with what you
have on hand.
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Save With Vegetables

Carrots and spinach are great buys and they are loaded
with vitamins. They are also fast and easy to prepare.
6.3 6.3
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Energy Bills

Turn your thermostat down to 62 degrees at night or if
you are out of the house for more than 4 hours.
6.3 6.3
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Buy Ahead

When items your family uses frequently are marked down buy
enough to last to the next sale, usually about 3 months
worth.
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Appliances

Buy appliances pre or post season to save up to 30
percent. Also check for discontinued models to save
even more.
6.3 6.3
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Energy Bills

For every degree you turn down the thermostat, you can
save 3 percent on your total monthly heating bill.
6.1 6.1
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Live Within Your Means

Do not try to live above your means. Keeping up with
the Joneses can leave you in debt.
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Baby Clothes

Tired of paying high dollar for baby clothes.
Go to garage sales, yard sales, etc. There you will
find an abundance of baby clothes, practically new.
Reason, the growth rate of a infant is rapid. They
grow out of the clothes before they are worn out.
You will pay substantially less for something you can
resell at your own garage sale. You almost get the
clothes for free.
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Visualize Your Results

Visualize the result of your savings plan. See what you
are saving for.
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Credit Cards

Even though your credit card company may offer freebies
such as frequent flyer miles or cash rebates, they may
charge higher interest rates and annual fees. Make
sure the freebies are really free before you commit to
that card.
6.1 6.1
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