Reduce Your Bills

Nine Ways to Lower Your Auto Insurance Costs
You may not realize it, but the insurance rates you pay for your car can vary dramatically depending on the insurance company, agent or broker you choose, the coverages you request and the kind of car you drive. Listed below are a number of things you can do right now to lower your insurance costs.

Money Savers - Your Cellular Phone
Do you find yourself faced with an $80- $150 cellular phone bill every month? Unfortunately, this is typical amongst many cellphone users. Why is that?

Many people sign up for a $100 a month service plan, but only end up using about 20% of the allocated minutes!

Twelve ways to save money at restaurants
You can get a discount at just about any restaurant simply by sharing a dish with the person you are with. This includes very expensive restaurants. Don't be embarrassed, just say you can't eat an entire dinner yourself. Portions are generally too large anyway. (A few places may charge a token fee for splitting a meal, but most don't.) A helpful waiter will bring a separate dish for your companion and make sure that both of you have plenty of bread. Leave a generous tip.

Reducing Childcare Costs & Your Children's Spending
The cost of having children can be considerable. From the early costs of the pregnancy and delivery, to daycare, soccer lessons, orthodontist bills, and summer camps--the list never ends.

Organizing Your Time to Save You Money!
Applying these ten proven time-saving tips can mean the difference between your Internet marketing and home business success, or a life-time of struggle to make ends meet! If applied effectively, these little gems can be some of your most effective money-makers.

Water Heater Savings
Dear Dollar Stretcher, I recently talked to a handyman/fix-it guy who said that for most efficient use, I should set my hot water heater as hot as possible. His theory is that if you have very hot water, you only use a little of the hot water mixed with a lot of cold to take a comfortable shower vs. using lots of water heated to a comfortable temperature (as I have it set now). I don't have children, so the safety issues of keeping my temperature set lower are not as great. Which is more efficient? My water heater is almost due to die anyway. It's 10+ years old. Laura M.

66 Ways to Save Money
Find out how you can save a lot of money in 66 different ways

Is Your Bank a Money Siphon?
Instead of Saving Your Money, It May be Costing You
I've always been one to compartmentalize money. In other words, I pay for staples and bills from one account, invest from another, and keep both long-term and short-term savings accounts. It may sound nutty, but that's just what helps me stay budgeted.