You can save thousands of dollars in interest charges by shopping for the lowest-rate mortgage with the fewest points. For […]

Your computer and other expensive electronics should be under manufacturer’s warranty for the first year anyway. Companies dupe you into

You can watch cable television through your computer. Make sure your desktop or laptop has a DVD/CD player and you

Preferably the type that buys surplus lots from bigger chains. We save a small fortune every year by shopping at

Leasing a car is very complicated. When shopping, consider the price of the car (known as the capitalized cost), your

To avoid late payment fees and possible interest rate increases on your credit cards, make sure you send in your

Before you start buying toys and specialty items, decide what you need more: the product or the money.

Invite people over for dinner and have each person bring a separate dish. It’s fun and much cheaper than going

Enrolling in load management programs and off-hour rate programs offered by your electric utility may save you up to $100

Don’t look at a library as just a place to get old books. Look at it as a free place

Find daily inspiration for making intelligent moves. I’m usually inspired by my children. Perhaps you’re inspired to make changes by

You can do this by getting rid of your landline and using VoIP, or by ditching a cell phone. Re-evaluate

Just say “no” to more stuff.

Plan your meals so that you can use leftovers in another meal. This can help you save money, and reduce

It’s fairly easy — and inexpensive — to put together a home gym. Or, you could always start jogging. You

Ask yourself why you are buying something. Just because you think you want it isn’t a good reason. If you

This may not work if you use a massive trash can but we use a small sized one for which

Pay your bills on time and avoid late fees. Get organized about your regular bills. If possible, automate the payments.

Invite friends over instead of going out. Almost every activity at home is less expensive than going out. Invite some

Install a programmable thermostat. These devices regulate the temperature in your house automatically according to the schedule that you set.

Give a gift of a service instead of an item. For new parents, give an evening of babysitting as a

Before buying any used car: Compare the seller’s asking price with the average retail price in a “bluebook” or other

Once you select a type of savings account, use the telephone, newspaper, and Internet to compare rates and fees offered

Downsize! You don’t need a giant place to live. Instead, buy something more modest and you’ll find yourself with plenty