Save Money - More Funny Ways The other day, I was doing research on ways to save money. While checking web sites and discussion forums, I discovered

Save Money - More Funny Ways

The other day, I was doing research on ways to save money. While checking web sites and discussion forums, I discovered that the cheapskates are hitting new - and funnier - lows. Choosing your spouse according to how frugal he or she is, and reusing the plastic from bacon packages were some of the serious suggestions. One contributor to a forum even said, "Instead of buying toilet paper, I use yesterday's newspaper."

My personal choice for the most ridiculous way to save money was to stop drinking beer. What are we trying to save money for? Some more funny ways to save money are below. I suspect - or at least I hope - that many of these are not meant to be serious suggestions. In any case, don't try these at home.

Save Money By...

- Turning off your clocks at night to save on electricity.

- Carrying powdered drink mix to add to water in restaurants, to save on buying drinks.

- Installing a cat door and training your cat to go outside to the neighbors yard to go to the bathroom. This saves on cat litter and time spent cleaning the yard.

- Eating dog food. (According to this contributor, dry dog food is better than canned.)

- Telling everyone you'll be out of town for Christmas, then shopping the after-Christmas sales for presents.

- Asking friends to save the labels from any new products they buy, so you can put them on your thrift-store purchases when you are buying gifts.

- Closing the heater vents in all the rooms except your bedroom before going to sleep.

- Encouraging mice in the house by leaving crumbs around - so your cat will have a free food supply.

- Learning speed-reading so you can read books for free while in the aisle at the book store.

- Leaving furniture in the same place in your house, so you can easily get around at night without turning the lights on.

- Bringing back rolls of coins from Canada, to use at the laundromat and in pop machines. This can save you 20% or more, depending on the exchange rate.

These may be funny ways to save money, but did any of them make you think "Hey, that's a good idea?" If so, do you still pick up pennies on the street? Wouldn't it be more efficient to just stay at work for an extra minute to earn a minutes pay? While you are there, you can take a big drink of water - to save on your home water bill.

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Pricing Secrets That Can
Save You Money

Want to save money on that next purchase? It can help to know the pricing secrets of retailers, like the two covered here.

The Secret Of The Minimum Advertised Price

Sometimes pricing doesn't seem to make much sense. For example, why does whole wheat pasta cost three times as much as regular pasta? Doesn't regular white-flour pasta require the extra trouble and expense of removing parts of the wheat? Economist will tell you that price is determined by what the market will bear. This is certainly an important principle to understand, but does it always apply in real life? Well, yes, in a way - but it is complicated.

Consider the "manufacturers suggested retail price," or "MSRP." Also called the "list price," it is the price a manufacturer suggests to the store - at least in theory. But in practice it is generally the maximum price a retailer can charge us. After all, who really wants to buy something that is priced higher than the manufacturers suggested retail price? So in this case, "what the market will bear" has been limited by the manufacturer.

Another price that manufacturers suggest to retailers is the MAP, or "minimum advertised price." This is one we don't hear about. It's not an absolute minimum that retailers can sell for, and they certainly want to sell for more if they can. But if they sell for less than this they risk upsetting manufacturers and suppliers. Why? Because they can't convince new retailers to carry a product if competing retailers are selling it so cheap that it is difficult to make a profit. The new retailer could sell it for more, but who would buy it when it is advertised cheaper somewhere else?

Of course, you want to buy at the MAP, so to determine (approximately) what it is for a particular product, check several stores. If all are advertising the product on sale around the same price, it is usually close to the MAP. The "big box" stores stick to the MAP in their sale advertisements, as often as not.

What if you want it even cheaper? Look at small stores. They can get away with sales that price the product below the manufacturers minimum advertised price, because they have less to risk by angering suppliers.

Be careful, though. Some stores sell below the MAP because they're selling incomplete products. For example, if it is a computer, you might have to buy a keyboard and speakers as separate items. When other stores are selling a complete product, compare the total cost of everything you need to get a product that is functional.

Why Prices End In 99

$29.99 might as well be $30, and we know this, so why do retailers play this game? Simple explanation: Because this pricing secret works. You may automatically round up a price like this, but you may not have looked at it in the first place if it said $30 instead of $29.99. We process information from left to right, so you see the "2" before anything else, and this is more appealing than a "3" when you want a lower price.

You see, even if only unconsciously, your mind is probably thinking "20-something dollars" versus "30-something." Your next thought might be "Oh, it's $30," but you are already looking at the product, right? It makes you more likely to buy it than if you never stopped to look at it in the first place.

In any case, retailers get caught in this game whether they like it or not. After gasoline retailers started pricing a gallon using ".9" cents, for example, how could any of them stop doing it that way? Just imagine if all the other gas stations had gas at $2.99 and 9/10 and one at $3.00. Ten gallons would be just a penny more there- not worth driving on. However, drivers just see the sign and immediately think they are the most expensive gas station (they are - it just isn't enough difference to matter).

How do you put this knowledge to work for you? Be aware that the 9/10 caught your eye at the gas station, but a penny or a tenth of a penny savings won't justify going out of your way. Save more money by just stopping at the first reasonable station - at todays prices you can't afford the gas to drive around looking for a penny savings.

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Buy A Used Car For Less

Buy A Used Car For Less

Want to buy a used car for a lot less money? There are two good ways to do so, and one good reason to buy used - to save money. Okay, that seems obvious, but this isn't just about spending less initially. The research shows that a four-year-old car can cost 40% less over its lifetime versus a new car, when you include the costs of gas, oil, repairs, insurance, and everything else. In fact, almost half of the millionaires in the United States buy used cars, according to the book "The Millionaire Next Door," by Thomas Stanley and William Danko.
Buy A Used Car For Less

Want to buy a used car for a lot less money? There are two good ways to do so, and one good reason to buy used - to save money. Okay, that seems obvious, but this isn't just about spending less initially. The research shows that a four-year-old car can cost 40% less over its lifetime versus a new car, when you include the costs of gas, oil, repairs, insurance, and everything else. In fact, almost half of the millionaires in the United States buy used cars, according to the book "The Millionaire Next Door," by Thomas Stanley and William Danko.

First Way: Buy The Right Used Car

The idea here is to look for the cheapest "type" of car that will provide you with everything you need. The bottom line is that some cars just cost more than others. You pay more to buy and to operate them, so look for the lowest-cost one that will suit your needs. Whatever your negotiating skill, a four-year-old Jeep Wrangler is still going to cost more to buy and run than a four-year-old Dodge Caliber. So unless you need the four-wheel drive or space of the former, why not buy something smaller and cheaper.

Some of the factors to consider when looking at the overall cost of a used automobile:

- The initial price. The popular auto "blue-books" or price guides will give you an idea of what used cars are selling for in your area. Some of us think the accuracy of these may be suspect, but they are better than nothing for comparing the relative values of various models of car.

- Ongoing repair costs. Find a copy of the Consumer Reports auto edition at your local library. It has ratings for all major systems and parts of different models. Usually there is also an average annual repair cost for each car too.

- Gas mileage. Ask an owner about the mileage he or she gets - if you think he or she is honest. There are also websites like fueleconomy.gov where you can find fuel economy figures for used cars. With 15,000 miles per year, the difference between 20 miles-per-gallon versus 34 MPG is an extra 309 gallons per year, or $1,000 at $3.25 per gallon.

- Auto insurance. Different cars have different insurance rates. Ask an agent about the cars you're considering, and take notes.

- Future resale value. Plan to drive the car for just a few years? Then you have to consider what it will lose in value during that time. Different used cars may cost $8,000 each, but one may be worth $6,000 a couple years later while others are only worth $4,000 or even less. Research resale value online, or look over a used-car price guide to see which models tend to retain the most value.
Second Way : Negotiate The Right Price

The next step in buying a used car for less is to negotiate a lower price. There are a few tricks you should know, but start with a good idea of what the car is worth according to whatever guide you have available. Look for the wholesale cost, and make your first offer lower than that. Here are some other pointers:

- Invest time. When you think you want a car, spend some time with the owner or sales person, and looking at the vehicle. Expert negotiators call this "time investment," and use the technique often, because the more time the seller has invested with you, the more they want to sell to you. They don't want to "waste" that time. In other words, you can get a lower offer accepted if you first take more of the sellers time up front.

- Subtly point out any issues. Examine the engine and the underside of the car, even if you aren't sure what you are looking at. Hint at any problems you see politely, but never contradict or insult the seller. The idea is for the seller to like you but to also start to doubt the value of his vehicle.

- Be prepared to walk away. Always be ready to say, "I'll think about it," and leave (unless you really need a car today). It's one of the oldest and surest ways to get price concessions when negotiating. Car salesmen in particular know that when people "think about it" they rarely return, so this is a strong tactic on your part, and they'll usually make their best offer at this point.

- Get a mechanic look at it. Bring the car to your mechanic, or have a friend with some mechanical knowledge come with you to look at it. A car isn't necessarily cheap if it breaks down a week after you buy it, and in any case everything that your friend or mechanic finds wrong is a negotiating point that may result in a lower price.

To summarize: Use both ways to buy a used car for less.

1. Look at the right cars - the cheapest for your needs.

2. Negotiate the lowest price you can get.

Unusual Ways To Make Money | Buy A Used Car

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A Few Money Saving Ideas

People are always looking for money saving ideas, and they often start by looking for ways to pay less for things. But instead of just paying less for the same things, you may want to re-think about what you buy every month. Of course you need the necessities, such as food, clothing, and your rent or mortgage payment, and there are always ways to save some money on these, but what can you eliminate or reduce to save even more? Here are some ideas.

Drive Less

Even though the gas prices have been going down, there are still ways to save even more money in this area. Perhaps the most common way is carpooling, which is the practice of driving multiple people in the same car. This is especially true for people who live near each other and tend to go to the same location over and over again.

For example, if persons A, B, C, and D all live in the same neighborhood and all go to the same area for their jobs, then all four people can go in a single car to that same area. They can set up a schedule for who picks up whom and when, such as one week, person A picks up persons B, C, and D, whereas another week, person C picks up persons A, B, and D. Because all four people are going in the same car, money is saved because only one person has to refuel his or her car.

See if you are in the habit of buying things that you really don't need, or at least buying things too often. Maybe you buy a box of baking soda every week to freshen the refrigerator. You could save a little money by using that box of baking soda for the entire month (assuming it worked for that long). In other words, instead

of buying the same thing once a week, you can buy it once a month. That is three weeks worth of expenses saved per month, and it adds up over the years.

You can search for money saving ideas online, and easily save between a few hundred to even a few thousand dollars a year or more. You can compile a budget and then make changes as you go along to save money. That may be the best of these money saving ideas.

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Learn To Budget Money - Four Steps

There are some people who don't need to learn to budget money, because they simply and naturally spend less than they make, and save the rest. Why bother to allocate "x" dollars each month for this or that category if your "outgo" is always less than your income, and you invest the rest for retirement. So if you don;t want to budget, you can try habitual frugality or an income that is constantly growing larger. But if you're not up to either of these challenges, you may need to learn basic budgeting.

Most people want to learn to budget money only once they're in financial trouble (hopefully that's not why you're reading this, but better late than never). Debts have piled up, and income doesn't quite cover the bills and habits. Stress is a common result, and learning the usual budgeting techniques is a good idea. Those are covered in four steps below. The second part of this article presents another way to approach this problem of managing your money.

How To Learn To Budget

Step One - Expenditure Tracking

Write down everything you spend for two months. Have categories that make sense (entertainment, utilities, etc), so you can see where the money is going. You'll be surprised at how much money is spent in some areas, and you might also find that as you watch the money going out on paper, you begin to change your habits. Looking at your convenience store purchases on paper motivates you to skip a soda or two, just so you don't have to write it down. This a good exercise to repeat every year or so, if only for the habit-changing effect it has.

Step Two - Reduce Expenditures

Do this before you start making the actual budget calculations. Get spending under control and then you will have a better idea of how much to allocate to each category. With a bit of thought you can cut the cost of most things and activities in your life. Turn down the hot water heater temperature, combine trips to save gas, bring a lunch to work instead of eating at a restaurant. Find the relatively painless ways first - like spending an hour to find a cheaper insurance policy for your car. If these are enough, you may not need more drastic measures.

Step Three - Make a Budget

Using your current income and your expenditure tracking notes, create a monthly budget, allocating money to each category expenses. You may need $250 per month for groceries, $300 per month for paying down credit cards, and $120 for the retirement account, for example. Be sure to include all regular expenses. The totals should add up to a bit less than your income. If not, lower those allocations and take more cost-cutting measures.

You need to account for large and unpredictable items as well. You don't know when a car repair will be necessary, for example, but you do know it is an eventuality. Try this: add up the amount you spent on your car over the last two years and divide by twenty-four to get a monthly figure for expenses.

Step Four - Set Up Systems

You'll need systems for following your budget and tracking money spent. For things that are hard to track, like convenience store purchases, you can put the allocated money in an envelope at the beginning of the month. When it is gone, you are done until the next month starts and the envelop is refilled. For large expenses, like car payments, repairs, insurance and registration, it may be best to set the money aside in a separate bank account, where it can accumulate until you need it. Medical expenses can be handled this way to, and you should have an account or envelope for the "completely unexpected."

Budgeting Based On Values

Certainly it can help to learn to budget money, but there is another approach that begins with asking why you are making money in the first place. You need it to survive of course, and the steps above will help with that, but you don't manage your money just to pay bills. After all, money is a powerful tool that can serve you in your pursuit of anything that is important and valuable to you.

A value-based approach starts with identifying what is of real importance to you, and setting reasonable goals based on that. If, for example, you value travel, you might make it a goal to take a major trip around the world every two years or so. If self-development and peace of mind is important you might plan to buy good books and courses that will help. If you truly value something, set a goal, put a price on it, and then determine how much you'll need to set aside each month to accomplish it.

Begin setting that money now - even before you do the two-month tracking exercise or make a budget. Then work the rest of the budget around these important goals. You see, if you start by figuring how much you need for the "necessities" of life, it's likely there will be no money left over for what you really value. Start with what's important.

Suppose the rest of the budget doesn't work after you set aside this "goal" money.What do you do then? Cut expenses or make more money. Consider for a moment how much less money some people live on than you do. Now, if these goals are truly important to you, live like they do. Just learn to budget money for what matters most, and if it truly is valuable, you can almost certainly find a way to make the rest of the budget work too.

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Ways To Save On Food - Fruits and Vegetables

Here are several good ways to save on food, or at least on fruits and vegetables. Saving money on other grocery items is covered on other pages.

Buy Frozen Fruits and Vegetables

Frozen fruits and vegetables often cost much less than fresh, depending on the season. You can use frozen vegetables in cooked dishes and frozen fruit in "smoothies" (just blend orange juice with frozen blueberries, strawberries or raspberries).

Now for the really good news: The frozen versions may have more vitamins than the fresh. This is because fresh fruits and vegetables travel for days and sit in the store displays for days, and then sit in your refrigerator for days, all the while losing vitamins. The ones in the freezer department are usually cleaned and flash-frozen shortly after being picked, thus locking in much of the vitamin content.

How To Save On Organic Fruits and Vegetables

If you sometimes buy organic produce to avoid pesticides you know that they can be expensive. But there is a way to keep your pesticide exposure down while saving money. Just buy organic when shopping for those foods with the most pesticides and spend less to get non-organic fruits and vegetables when buying those that typically are lowest in pesticides. The lists:

Foods with most pesticides:

Peach
Apple
Bell Pepper
Celery
Nectarine
Strawberries
Cherries
Kale
Lettuce
Grapes (Imported)
Carrot
Pear

Foods lowest in pesticides:

Onion
Avocado
Sweet Corn
Pineapple
Mango
Asparagus
Sweet Peas
Kiwi
Cabbage
Eggplant
Papaya
Watermelon
Broccoli
Tomato
Sweet Potato

More Ways To Save On Food

Do you want the freshest, best produce at the lowest cost? Then buy whatever is in season at the moment. That's when you get the highest quality, and because of the abundant supply this is also when prices are normally the lowest. You get the same fruits and vegetables as you normally do, but when they are ripe and probably better for you.

You can also adjust your diet to include more fruits or vegetables that are cheaper. Habit alone may have you buying some of the things you eat, while there are cheaper alternatives that you would enjoy just as much. Try any produce that's on sale and see what you really like. Then among your favorites just buy whatever costs the least each time you go shopping.

Gardening might seem like a way to save on food costs, but this rarely works if you have a small garden. By the time you figure the costs of seeds supplies and water you may be paying twice as much for each tomato or cucumber. On the other hand, why not visit friends who like to show off their gardens. They will probably send you home with a free zucchini or two.

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How To Spend Less

There are thousands of answers to the question of how to spend less. But this article isn't about the specific ways to pay less for this or that item. It is about the few basic methods to spend less and still get everything you need in life.

Don't Buy It

This is perhaps the most obvious way to spend less. It is also perhaps the way that is most commonly overlooked. Whenever we buy something we clearly think it is worth the price at that moment. yet how often do we later realize that it doesn't have quite the value we thought it would have?

For example, you might buy some gadget and then notice a year later that you haven;t used it more than once. There is a simple way to avoid this: wait a week to buy. If you get in the habit of procrastinating on purchases you'll still buy the things that are truly important to you. But there are many purchases that won;t be made if you wait a week.

Then there are the things bought that are never really analyzed in terms of their total cost. You buy a snow mobile for example, and use it only eight times in the years that you own it. If you did the math you might find that it costs you $500 per use or more. So do the math!

Pay Less

This is the usual way we try to spend less. Using coupons and sale-shopping fall into this category. The following is another way that you may not have thought of trying.

Learn to negotiate. We tend to think that learning negotiating skills is for business people and those in sales, but why not for you too? If you can occasionally save $50 on a large appliance or $5,000 on a home it might be worth your time to learn a few "tricks of the trade," right? I have even paid half-price for a new book in a traditional bookstore using simple negotiating tactics.

Look For Alternatives

This is really another way to spend less for the same thing or for something similar. But it is often forgotten when we are buying things. It's easy to think that you just need to find cheaper planes tickets for you trip to Florida, for example, and forget that there are other wonderful places to go that nay cost you hundreds of dollars less.

This is true even with small purchases. You may be used to eating fresh fruit, for example, but it may be just a habit. You might enjoy blended "smoothies" in the morning just as much, and pay less for frozen fruit you use for them. Look for alternatives and you can spend less - sometimes a lot less.

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Save Money On Heating Bills

Turning down the thermostat is probably the most common tip on how to save money on heating bills. It may be a good idea, and it is true that you can put on a sweater to stay comfortable. But some people feel the cold more than others, right? And among all the ways we can save money, should giving up our physical comfort at home be one of the first things we try?

The expensive options suggested for saving money on heating bills include adding insulation to your home, buying solar panels to reduce your furnace use, and upgrading your heating system to a high-efficiency unit. Those ideas may work as well, but you may not have the money to invest. Also, the arguments for these as money-saving plans sometimes don't make sense.

As an example let's suppose you spend $20,000 to put a solar heating system on your home. It saves you half of your annual $1,200 heating cost, or $600. Now suppose you have to finance the system. The interest alone could be more than the $50 monthly savings, so you may not ever recoup your costs, let alone save any money.

You have to do the math and consider the real costs, including the interest paid if financed, or the interest lost if paid from money you have in the bank. I recently read on a solar advocacy website that a solar hot water system costs "only" $5,000 and could save 50% of the costs of running my regular hot water heater (which is still needed due to cloudy days). Now, our hot water probably costs about $240 annually, so we would save just $120 each year. We can do better than that leaving the money in the 3% account we have at our online bank! The $150 we would make annually in interest pays the extra $120 and leaves us an additional $30 versus having the solar water heater.

Insulation can be more cost-effective if you are deficient in insulation right now. There are other major upgrades that may pay off too. On the other hand, what if you haven't got the money for the big fixes and you like your home to be a warm place to live? Then you need to apply some of the following ways to save money on heating bills without spending a fortune.

- Close of any air leaks. Look for drafty areas, find the air leaks and seal them up with caulk or weather stripping. Closely check around windows and other possible openings. Three dollars of caulk might be sufficient for any and all leaks you find, and weather stripping around leaky doors is cheap as well.

- Check each room and adjust the registers as necessary. In most forced-air systems these can be opened or closed somewhat, so if you have rooms where you don't spend much time, close the vents off partly to reduce the hot air going there. It costs nothing to do this.

- Adjust drapes, blinds and curtains. If you open curtains when the sun is shining you'll notice the heating effect pretty quickly. You can also get in the habit of closing them once they are in the shade or each night after the sun sets.

- Install an electronic thermostat with a timer. A decent electronic thermostat can cost $100 or more, but they are still one of the cheaper ways to cut your heating bill by 5% or more. The timer can be set to turn the heat down at night when you are cozy in bed, to turn it up thirty minutes before you get up, and to turn it down during times when no one is home, like when you are at work

- Manually adjust the thermostat. If you want to save the cost you can do the same thing the automatic

thermostat does by adjusting the heat control whenever you go to sleep or leave the house for a while. One disadvantage: you'll have to put up with the cold for a few minutes after you wake up or get home. It is a no-cost way to save money on heating though.

How to save money on heating bills? The easiest quickest way is still the one first mentioned: turn down the heat permanently. If you do this, wearing a sweater isn't the only thing you can do to compensate. Floors sometimes chill us more than the air, so wear warm slippers or thick socks. A cup of hot tea can warm you up for an hour. Lounging in the sunniest chair is another trick. Or... find another way to save $20 per month and turn that heat back up to where it is comfortable.

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Funny Frugality

Frugality makes sense in these times, but it can go too far. The funny ways to save money that follow are thus not meant to be serious - at least I don;t mean them that way. But I'm not sure about the intentions of the blogs, websites and the minds of twisted scrooges where I got these ideas. Let me be clear: these are for entertainment purposes only.

Ways To Save Money

Request extra religious tracts from the next zealots to knock on your door. Then replace half of each restaurant tip with one of these gifts. Your annual savings based on eating out four times monthly and an average normal tip of four dollars (replaced by $2 and that nice little booklet): $96

Stop by to visit your neighbors while they're working in their gardens. Continue to compliment them on the great job they've done with the garden until they finally offer you some free vegetables or fruit. Do this with several neighbors in order to spread out these foraging trips and limit them to one or two per month for each one. Your estimated annual savings on vegetables: $106.

Visit the lost-and-found departments at businesses, governmental buildings and other places. Look through the items and say, "There it is!" whenever you come upon something you need. For the most savings with this strategy you have to focus on taking things that you would have otherwise bought. Skip the fancy umbrellas you never would have paid for anyhow. Avoid day planners, books and other things that might have the name of the owner written in them. Your savings depend on your acting ability and the number of places you can check.

All fast food restaurants offer you packets of ketchup, mustard and other condiments for free. Teach your kids to take seven or eight extra packets before you leave. Just stop buying condiments for the house altogether, and have them take extra napkins too. Your potential savings each year: $120

Go ahead and pee in the shower every day while you are there. It goes down the drain in any case. With a three gallon flush for the toilet replaced each time, you'll save 1,000 gallons of water annually - unless you skip your daily showers to save even more money see next tip). You'll have to multiply that by the per-gallon charge from your local water company or municipality to determine the annual savings you'll get.

Take the downspout off your gutter so you can shower under the resulting stream of falling water when it rains hard enough. A once monthly outdoor shower that saves you ten gallons of hot water like this can save you at least thirty cents every year.

Carefully cut open lotion and shampoo containers to get the last 20% that Consumer's Reports says is normally thrown away by people. Your potential savings? $1.17 per hour of effort at least.

Want more funny frugality? Train your dog to beg neighbors for scraps to save on dog food. Stop by your friends' houses right around dinner time to get fed for free. Make calls during lunch and leave a message so the other person has to return the call and use his paid minutes. Soap up your car just before a thunderstorm and let the rain rinse it to save on car washes.

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Ways To Save Money

Why have ways to save money on a site about ways to make money? Because saving money is like making more. When I found a way to pay $413 to go to Ecuador, instead of the lowest online quote of $1700, it meant over $1200 extra in my pocket - and for a lot less effort than making that much.

Ways To Save Money - The Pages

How To Save Money On A Pool Purchase - Questions to ask.

Funny Frugality - Ways to save money - but don't try these.

Save Money On Heating Bills - Without sacrificing comfort.

How To Save Money On Food - Beyond coupon clipping...

How To Spend Less - Three basic strategies.

How To Save Money - Five tips.

Ways To Save On Food - Fruits and Vegetables - Great tips.

Learn To Budget Money - Using this four-step plan.

A Few Money Saving Ideas - Car pooling, bulk buying and more from Robert Smith.

Buy A Used Car For Less - Using the techniques in this article.

Pricing Secrets That Can Save You Money - Some insiders secrets.

Save Money By Knowing The Games Stores Play - They don't want you to know these.

1040 Tax Tips : A few lesser-known ways to save at tax time.

Saving Money - $100 Per Hour To Swim In Your Own Pool? - A story with a lesson.

Ways to Save Money - Product Life Cycles : Some insider secrets as well.

Save Money - More Funny Ways : Don't try these at home.

How To Be A Frugal Shopper : How many of these eleven habits do you have?

Funny Ways To Save Money : Some of these funny ways to save money may have actually been used. Others never should be.

Bargain Finder Secrets : How to be a person that always finds the deals.

Excessive Credit Card Debt : Here are a few ways to reduce it.

Living Cheap : My real life example of living cheap and living well, with tips on how to do the same.

Is Debt Consolidation A Good Idea? : Maybe not. Believe it or not, you can sometimes save money paying the higher interest on your credit cards.

How To Get Free Stuff : Getting things for free is a fun way to save money.

Is A Bad Credit Rating A Good Thing? : It can possibly save you a lot of money over the years.

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