Request a reduction in the interest rate on your credit cards. As with home equity loans, credit card companies sometimes […]

Haul your own trash to the dump, if you have a pickup truck or trailer.

Wash your laundry in cold water.

Always keep looking ahead. Don’t let the mistakes of your past drag you down into more mistakes. Look ahead to

Tie cost of having your car washed through a car washing station on a weekly basis, can easily pile up

There are lots of light fixtures today that can be powered by the sunlight. In using them, you would be

Attend high school rather than college or pro sports events. High school sports events rarely cost more than $5 and

Look for sales at discount outlets. There are huge price differences between clothing on sale at discount stores and that

Use window coverings to block or let in sunshine. In summer, use these coverings to block sunlight, keeping your house

Live relatively near your workplace. While this isn’t always possible, driving 5,000 miles less a year can lower transportation costs

Consider dropping credit insurance coverage on installment loans. Many consumers don’t need credit insurance because they have sufficient assets to

Find the lowest-cost place to purchase prescription drugs. Make sure to check out not only your local pharmacist but also

Are you looking for an effective way to establish a budget? Beginning on the first day of a new month,

Take your lunch to work. Instead of paying five or six dollars for a “value” meal at lunch every day,

They can become a black hole for your finances in the blink of an eye. Use them responsibly. Remember, at

Get cheap novels. Instead of filling your bookshelves with brand new books, consider buying used. There are chain stores that

Before you leave the store, take a glance at your receipt to make sure everything checks out. Items may ring

Ads for savings are what make the Sunday paper so thick. Take advantage of them. Look for flyers throughout the

Shop around for gas. Before you pull over and start filling up, shop around for the cheapest place to get

Change your air filters. A clogged or dirty air filter reduces airflow to the heating or AC unit, causing it

Obviously this is the way to achieve the most savings. Make a garden this year. Next year make a bigger

Rent a place that will have all appliances provided. Bringing in your own or having to buy is a hassle.

Pick up a local newspaper and check upcoming events for freebies: concerts, arts and crafts fairs, theater, festivals, art galleries,

Freeware and shareware are a great way to get your hands on games, utilities, spyware removal, anti-virus and firewall programs.

While you’re in college don’t take risks with your electronic equipment. Laptops and other trendy little electronics can be made