Here’s a few more recipes for homemade cleaners you can make yourself. Invest in a few spray bottles and make them before you need them. That way you always have them on hand for cleaning jobs.

OVEN CLEANER
2 Tbsp. dish washing liquid
2 Tbsp. borax
1/4 c. ammonia
1 1/2 c. warm water

Mix together, apply to oven spills and allow to sit 20-30 minutes. Scrub with an abrasive nylon-backed sponge and rinse well.

GENERAL-PURPOSE CLEANER
1 tsp. borax
1/2 tsp. baking soda
2 tsp. vinegar
1/4 tsp. dish washing liquid
2 c. hot water

Combine all ingredients. For a more pleasant smell, use lemon juice instead of vinegar.

EASY SCRUB
3/4 c. baking soda
1/4 c. borax
Dish washing liquid

Combine the baking soda and borax. Mix in enough dish washing liquid to make a smooth paste. (Add 1/4 tsp. of lemon juice for a more pleasant smell.)

HEAVY-DUTY DISINFECTANT CLEANER
1/4 c. powdered laundry detergent
1 Tbsp. borax
3/4 c. hot water
1/4 c. pine oil or pine-based cleaner

Slowly stir the detergent and borax into the water to dissolve. Add the pine oil (available at hardware stores and supermarkets) and mix well. For bathroom cleaning, use the mixture full strength. In the kitchen, dilute with water.

GLASS CLEANER
2 Tbsp. ammonia
1/2 c. alcohol
1/4 t. dish washing liquid
A few drops blue food coloring
Water

Combine ammonia, alcohol, dish washing liquid and food coloring,
then ad enough water to make 1 quart. If you prefer a
non-ammonia cleaner, substitute 3 Tbsp. vinegar or lemon juice
for the ammonia.

Although window coverings are expensive we are generally willing to spend money on them as they fulfill so may purposes in a room, adding warmth and privacy as well as decoration. Rooms simply look unfinished without them. If money is tight you will be wondering how to add effective window treatments without breaking the bank but you can definitely achieve a lot without a huge budget. Here are some ways to save money:-

1. Make Your Own Curtains

You can save a lot of money if you can sew simple straight lines with a sewing machine. If you are inexperienced start with short sill length curtains such as those for kitchen windows and progress to full length curtains for your living room. Choose a light washable cotton fabric for your kitchen curtains and add a heading tape of your choice. If you work neatly and measure accurately you will have no problems at all. Later you can progress to using lining and making fancier items such as window valances and tie backs.

2. Choose Cheaper Fabric

Fabrics vary enormously in price but you can make very effective curtains with simple cream calico or cotton. You can create more effective window treatments by being generous with cheap fabric than you can by creating curtains from expensive fabric where you can not afford enough to create a full effect. You will find that plain fabrics are often cheaper than patterned ones. If you think they are too plain you can always add interest with trimming.

3. Buy Ready-Made Curtains

If you have standard windows you will usually find ready-made curtains work out cheaper than having curtains custom made. Your choice will be more limited but you will usually find something to suit if you check out curtain sites online.

4. Go Simple

It can be enough in a contemporary home to put up simple cream or gray window blinds which you can buy very cheaply. You do not have to get carried away creating elaborate window treatments when “less is more” is often more effective.

5. Add Layers

If you would like elaborate window treatments (and they suit your home) but you can not afford them purchase items over time. For example you could start with a simple blind and then later add dress curtains and then later still a window valance or wooden cornice.

Written by Carol, one of our readers:

We’d all like to save money each month, but how to go about it is another story. Start by making a budget; that scary, imposing, restrictive plan that keeps you in line. Only it doesn’t have to be that way, a budget is really only putting down on paper your priorities and recognizing you absolutely cannot spend more than you make in any given time period. It also, contrary to popular belief, doesn’t have to come together in one sitting, start the first month with just writing down general categories and amounts. Over time you can refine and fill it out more completely. It took us three months to get a good handle on our budget, each month getting more and more detailed, even today we are constantly adjusting the numbers.

Once you know where you money is going it is now time to start trimming the fat. If you look at your monthly expenses, looking to saving $500 it will seem overwhelming and impossible. But what if instead you looked at shaving a few dollars off each item? As we began looking at our budget we decided to go through and renegotiate each item we could. After knocking out the cable and downgrade our cellphone plan – saving $65, reviewing our car insurance and changing our coverage – $25 less and changing our restaurant habits to only twice a week. This all totaled approximately $125 a month in savings. Besides the mortgage payment, food and general merchandise are our biggest expenditures.

Even with the constant coupon clipping and avoiding the pricier groceries stores we couldn’t make the budget numbers and the real world numbers agree. That’s where web surfing finally began to payoff. There are plenty of websites out there that can multiply you efforts. The blogs that track specific stores rewards programs, letting you know what items are free or worth the most rewards points/bucks, will give you an edge. Lots of promotional programs let you trade your name and email address for free samples and /or coupons.

Also look to farmer’s markets and co-ops, we spend $17 every two weeks for $50 worth of fresh fruits and vegetables. Little by little we have shaved almost $200 off our monthly grocery bill.

Try once a week cooking, or once a month cooking if you’re ambitious! There are so many tasty once a week cooking recipes out there that you’re bound to find some that you like.

Due to the fact that we didn’t start our marriage with the financial acumen that we now possess there is a tidy sum sitting on credit card balances. This can be a dangerous lever, waiting to dump us over the edge at a moments notice. We headed it off by finding a low APR, zero interest on balance transfer offer and moved everything we could onto that card. Then we proceeded to cut up our physical cards except for one emergency card and have begun applying the snow ball methodology. The snow ball theory has you paying off the lowest balance card while making minimum monthly payments on the others, as you pay off a card you roll what you had been paying on it into you payment on the next one. With this consolidation we erased about $50 a month in additional interest fees.

Lastly, we began looking at efficiency around the house and in our travel habits. By lowering the thermostat by 3 degrees and running only full loads in the dryer, we cut $15 off the electric bill. Using public transportation and walking for quick trips to the nearby store translated into more than half a tank of gas saved every two weeks; which at today’s price means $50 a month left in our pockets. Together we have identified our spending priorities, changed our spending habits and challenged ourselves to find fun and rewarding ways to save a little bit in each category on our budget. This has tallied up to savings of almost $400 a month, which comes in handy when saving for the next rain day.

Posted by Leila D:

There are tons of ways to save money on monthly expenses but most of these ways consist of cutting back on day to day luxuries that we don’t really need. I’m always trying to find good ways of saving money and I always end up finding something new to “get rid” of in my life. But this can sometimes be a good thing. Let me talk about a few ways.

The first for me would definitely start at home. I live in Texas so the weather gets a little crazy here. I find that weather sealing my windows and doors saves me a ton of money during the winter. Spending a mere $50 dollars in the first month to make my gas bill in the low $100′s the rest of the season is way better then spending close to $300 a month for almost four months in a row.

Next in home would definitely be energy saving bulbs and fans during the summer months. I once had an electricity bill of close to $600 bucks in a one bedroom apartment. That is all it took to wake me up and make me more aware of how much electricity I was using each month. I found that the energy saving bulbs cut it back about $8 bucks a months so they pay for themselves in the first month.

Next I bought some plug-in stand up fans for each room. I figured that the air conditioner cooled the whole house, but why would I need to cool the whole house if I’m only in one room at a time? Well I don’t! So for about $100 bucks at a place like Wal-Mart or Target you can almost cut your electric bill in half depending on the size of your house.

Now we move on to eating habits. Eating fast food everyday like the average American can lead to it becoming a habit of spending $15 to $20 bucks everyday just to eat! I pride myself on breaking that habit and spending $15-$20 bucks on food a week. That’s roughly a $120 a week difference. But not only do you save a ton of money, you can lose weight, feel better, and overall end up healthier. Plus you learn a lot of fun fruit and vegetable recipes. So just remember, the grocery store is the way to go. Also try to learn some once a week cooking tips. Check the link for more information and some great once a week cooking recipes.

Last but not least is saving money on gas. This one isn’t for everyone, but for some of us, its huge. I personally live about a half a mile from work. So of coarse, I walk or ride my bike. Some people spend close to a grand a month on gas. That to me is insane. I drive only when I have to. Which is going out of town, across town to see friends or family, or in a minor emergency. And in this case, just like with food, you lose weight and become more healthy from walking or riding a bike.

These are just a few simple ways to cut back on money each month. You can always come up with new and improved ways to save money. So feel free to use mine and come up with some new ones of your own.

Here’s a few more homemade cleaners for you to try out. I haven’t tried them out yet so let us know how they are if you do!

Window Formula
1/2 cup ammonia
1/2 cup vinegar
1 Tbls. cornstarch
1 gal. water
*used balled newspaper

Wall Formula
1/2 cup ammonia
1/2 cup vinegar
1/4 cup washing soda
1 gal. water

Hardwood Floor Formula
1 cup Ivory Flakes
1/2 cup bleach
1 gal. warm water

Upholstery Stains (old stains)
1/2 cup powdered laundry detergent
1/4 cup vinegar
warm water

Whiten Whites / Brighten Polyesters
2 cups electric dishwashing detergent
cold water
Soak overnight; was as usual

Commercial Spot Remover
2 parts water
1 part rubbing alcohol
Put into mist spray bottle; use for clothing

Frost Prevention
Rub inside window with rubbing alcohol; wipe with newspaper.

Fabric Softener
1 cup ammonia to washing cycle along with detergent.

Clogged Drains
1 cup salt
1 cup baking soda
1 cup boiling water
*Do not use with garbage disposal

Or try

3 cups boiled vinegar into drain.
Flush with water.
OK to use with garbage disposals.

Homemade Pre-Wash
1/3 cup water
1/3 cup liquid detergent
1/3 cup ammonia
Mix well and put in empty spray bottle.

Carpet Stain Formula
1/2 cup powdered laundry detergent
1/2 cup vinegar

Urine Spot Remover for Carpets
1. Blot up urine with paper towel.
2. Apply carpet stain formula (above); blot.
3. Pour on club soda; blot.
4. Mist/spray with vinegar.
5. Layer paper towels; place a heavy object on top to pull out moisture.

Mildew Prevention
1/2 cup salt into wash cycle to cut down possible mildew.

Baby Formula Remover
1/4 cup bleach
1 cup dishwashing detergent
1 gal. water
Soak overnight; wash as usual.

Spot Remover
1. Flush with club soda
2. Mix together 2 parts water and 1 part rubbing alcohol
3. Mist/spray spot with above and wipe off.

I have a thing for snowmen.

Maybe it’s because I’m a New Yorker living in Florida and I stupidly have fond memories of the snow. How quickly we forget what it was like to shovel your car out of a mountain of snow. *lol*

The last time I was at our local flea market (I had a table there, but found a few minutes to check around for goodies), I spotted this adorable set of snowman dishes.

Here to shop for your own adorable snowman dishes?
Scroll down for my top amazon.com’s choices.

It was service for eight; including a large plate, a salad dish, a coffee mug and a bowl. Figuring the price would be $15-$20, (reasonable but more than I wanted to spend that day, after all I was there to sell, not buy!) I passed them up and went back to my table.

After a few minutes, I couldn’t stand it anymore.

I asked my daughter to go back and ask how much they wanted for them. When she came back and said $5.00 (yes-FIVE!), I almost tripped over my feet getting out from behind our table to buy them.

Aren’t they great?

Update: We’ve used this set for the last two winters, including Christmas. Here’s a post with pictures of our Christmas table setting from 2009. 2010 pictures will be uploaded soon!

Set Of 3 Snowman Serving Dishes / Platter / Bowl Price: $9.90

Ceramic Snowman Candy Dish Rimmed in holiday tartan with a snowman family hidden below! Dishwasher safe. Price: $17.95

Set Of 8 – 9″ Paper Plates Price: $2.19

Hallmark Snowman Plate & Cookie Cutter Price: $16.85

Ceramic Hand Painted Snowman Plates – Set of 4 Price: $24.99

Vintage Snowman 11″ Stoneware Plates – Set Of 4 Designed by Susan Winget – Hand Painted. Microwave safe for re-heating and dishwasher safe. Price: $45.00

One of the best means of avoiding exposure to household hazardous materials is to use safer alternatives whenever possible. Included in this section are time honored recipes and suggestions to help you make the switch toward safer household products. Ingredients followed by instructions will guide you through an array of easy-to-make, easy-to-use safer alternatives. Some ingredients recommended as alternatives are safer, but not nontoxic. These ingredients have been marked with an asterisk(*) to assist you in identifying their presence. Making your own simple and effective products is fun and economical.

Air Fresheners
Most commercial air fresheners do not freshen the air at all. Instead, they mask one odor with another, coat your nasal passages with an undetectable oil film, or diminish your sense of smell with a nerve-deadening agent. For a safer alternative, you may wish to try
one of the following.

Ventilation. Open windows or doors in the house for at least a short period every day. This will also help to reduce toxic fumes that may be building up indoors.

Vinegar. Distribute partially filled saucers of vinegar around the room or boil 1 tablespoon of white vinegar in 1 cup of water to eliminate unpleasant cooking odors.

Cinnamon and Cloves. Boil these spices for a fragrant smell. For ease of cleaning, make a cheesecloth bag to contain these spices, and boil the cheesecloth bag. An excellent alternative when entertaining is to steep spiced tea or cider.

Potpourri. Buy or make your own potpourri from your favorite herbs and spices. Place the potpourri in a small basket or jar or in small sachet bags.

Kitchen And Food Odors

Vanilla*. Place pure vanilla on a cotton ball in a small saucer. Place the saucer in the car or refrigerator to remove odors. It is reported to remove even skunk odors. Keep the cotton ball out of reach of children; vanilla has a high alcohol content.

Baking Soda. Place a partially filled saucer of baking soda on the refrigerator shelf. Replace every two months and when you do, pour the contents of the used box down the drain to remove odors and keep the drain clean. Baking soda can also be used to deodorize bottles by filling them with undiluted baking soda and allowing the bottles to soak overnight. Then wash as usual.

Borax*. Empty the garbage frequently and clean the can as needed. To inhibit growth of odor-producing molds and bacteria, sprinkle 1/2 cup Borax in the bottom of the garbage can.

Vinegar or Celery Stalk. To avoid or remove onion odors from your hands, rub white vinegar on your hands before and after slicing. Rubbing hands with the end of a celery stalk will also remove the odor.

All-Purpose Cleaner

Vinegar and Salt. Mix together for a good surface cleaner.

Baking Soda. Dissolve 4 tablespoons baking soda in 1 quart warm water for a general cleaner. Or use baking soda on a damp sponge. Baking soda will clean and deodorize all kitchen and bathroom surfaces.

Carpet And Rug Cleaner

IF YOU PLAN TO SHAMPOO YOUR CARPET, FIRST TRY A PRE-CLEANING TREATMENT. Sweep the carpet, which will make the nap stand up and loosen the imbedded din. Next vacuum. With this work alone, the rug should show a noticeable improvement, so much in fact that you may decide to delay the shampooing.

To neutralize odors: Borax* and cornmeal. Sprinkle the carpet with a mixture of 1 cup Borax and 2 cups cornmeal. Let this mixture stand for an hour before vacuuming.

Another alternative is Baking Soda. Making certain that the carpet is dry, sprinkle baking soda liberally over the entire carpet. Wait at least 15 minutes, or overnight if the odor is particularly bad, before vacuuming.

Decal Remover
Vinegar. To remove no-slip decals from the bathtub, saturate a cloth or sponge and squeeze hot vinegar over decals. Vinegar also removes stick-on hooks from painted walls. Saturate a cloth or sponge with vinegar and squeeze the liquid behind the hook so that the vinegar comes in contact with the adhesive. In addition, vinegar can be used to remove price tags and other decals from glass, wood, and china. Paint the label or decal with several coats of white vinegar. Give the vinegar time to soak in and after several minutes the decal can be rubbed off.

Disinfectant
Soap. Regular cleaning with plain soap and hot water will kill some bacteria. Keep things dry. Mold, mildew, and bacteria cannot live without moisture.

Borax has long been recognized for its disinfectant and deodorizing properties. Mix 1/2 cup Borax into 1 gallon hot water and clean with this solution.

Isopropyl Alcohol*. This is an excellent disinfectant. Sponge and allow to dry. (It must dry to do its job.) Use in a well-ventilated area and wear gloves.

Drain Cleaners and Drain Openers

Prevention. To avoid clogging drains, use a drain strainer to trap food particles and hair; collect grease in cans rather than pouring it down the drain; pour a kettle of boiling water down the drain weekly to melt fat that may be building up in the drain; or weekly put
some vinegar and baking soda down your drain to break down fat and keep your drain smelling fresh.

Plunger. A time-honored drain opener is the plunger. This inexpensive tool will usually break up the clog and allow it to float away. It may take more than a few plunges to unclog the drain.

Baking Soda and Vinegar. Pour 1/2 cup baking soda down the drain. Add 1/2 cup white vinegar and cover the drain if possible. Let set for a few minutes, then pour a kettle of boiling water down the drain to flush it. The combination of baking soda and vinegar can break down fatty acids into soap and glycerine, allowing the clog to wash down the drain.

Salt and Baking Soda. Pour 1/2 cup salt and 1/2 cup baking soda down the drain. Follow with 6 cups boiling water. Let sit overnight and then flush with water. The hot water should help dissolve the clog and the baking soda and salt serve as an abrasive to break
through the clog.

Floor Cleaners and Floor Polishes
Vinegar. A few drops in the cleaning water will help remove grease panicles. Dull, greasy film on no-wax linoleum can be washed away with 1/2 cup white vinegar mixed into 1/2 gallon water. Your floor will look sparkling clean.
For Linoleum: Mild Detergent. Damp mop using a mild detergent and water for day to day cleaning. Keep water away from seams and edges to prevent loosening of the tiles. To preserve the linoleum floor you may wish to add a capful of baby oil to the mop water.
For Wood Floors: Vegetable Oil and Vinegar. Mix a 1 to 1 ratio of oil and vinegar into a solution and apply a thin coat. Rub in well.
For Painted Wooden Floors: Washing Soda*. Mix 1 teaspoon washing soda into 1 gallon hot water and wash the floor with a mop, sponge, or soft bristled brush. This solution can
also be used to remove mildew.
For Rubber Tiles: Mild Detergent. Avoid oils, solvents, and strong alkalies as they will harm the surface. Wash with clear water, a mild detergent, and a clean mop.
For Brick and Stone Floors: Vinegar. Mix 1 cup white vinegar into 1 gallon water. Scrub the floor with a brush and the vinegar solution. Rinse with clean water.
For Ceramic Tile: Vinegar. Mix 1/4 cup white vinegar (more if very dirty) into 1 gallon water. This solution removes most dirt without scrubbing and doesn’t leave a film. Washing ceramic tiles with soap does not work very well in hard water areas as it leaves an insoluble film.
Club Soda. Polishing your floor with Club Soda will make it sparkle.
Wax Remover
For Vinyl and Asbestos Tiles: Club Soda. Remove wax buildup by pouring a small amount of club soda on a section. Scrub this in well. Let it soak in a few minutes and wipe clean.
For Linoleum Flooring: Isopropyl Alcohol*. To remove old wax by mopping, mix a solution of 3 pans water to 1 pan rubbing alcohol. Scrub this in well and rinse thoroughly. Be sure the area is well-ventilated and wear gloves.
Special Problems
To remove black heel marks:
Baking Soda. Rub the heel mark with a paste of baking soda and water. Don’t use too much water or the baking soda will lose its abrasive quality.
To remove tar:
Scrape up excess tar with the side of a dull knife. Rub again with your fingernail, a popsicle stick, or anything that won’t scratch the floor. Finally, wipe up the tar with a dry cloth.
To remove crayon marks:
Toothpaste. Crayon marks on the floor may be removed by
rubbing them with a damp cloth containing toothpaste. Toothpaste will not work well on wallpaper or porous surfaces.
To remove grease from wood floors:
Ice Cube or Cold Water. If you spill grease on a wood floor, immediately place an ice cube or very cold water on the spot. The
grease will harden and can then be scraped off with a knife. Then iron a piece of cloth over the grease spot.

*more to come*

A while back, I read and reviewed Julie Morgenstern’s Time Management From The Inside Out. I found it to be fairly interesting and a good complement to Getting Things Done, which is the basic framework for how I organize my time.

Almost immediately after I wrote the review, several readers wrote to me and strongly encouraged me to pick up Morgenstern’s earlier book, Organizing From The Inside Out, Morgenstern’s first book that uses essentially the same philosophy. I picked it up, gave it a read, and actually quite liked it.

To me, Organizing From The Inside Out is one of those books that’s so sensible that while you’re reading it, it seems almost like common sense, but when you sit down and actually apply it, it’s as smooth as a hot knife through butter. That’s a high compliment, in my opinion. This is an astounding book for organizing your home or workspace, well worth reading if you have clutter issues either at home or at work.

Peeking At Organizing From The Inside Out

Right off the bat, the book makes an interesting statement: sometimes quick solutions are the best ones. This book is all about framework, much like Getting Things Done works for task management. Once you’ve got the framework down, solving organization problems is quite simple because everything just falls into place.

Part One – Laying The Foundation
Morgenstern is a big believer in tackling any problem with a three piece approach: analyze, strategize, and attack. This philosophy works quite well for organization, too – look at a space, analyze what’s wrong with it, develop a strategy for what you would like it to be, and attack it head-on.

Most people stumble at this because of one of three things: technical limitations (like inadequate storage space), external limitations (like working conditions), and psychological obstacles (like anxiety over changing your routine). If your limitations are technical, the best approach is usually to minimize as much as possible – get rid of stuff you don’t use, for starters. If external elements are limiting things, look for options to reduce your workload for a bit so that you can get organized, as this will enable you to tackle more work efficiently. If the limitations are psychological, interestingly, the chief recommendation that Morgenstern offers is to throw yourself into focusing on something else and let organization just be something that’s an assistance, not a primary focus. I find that in various ways, all three of these are very helpful, basic tips – they all lead to a truly functional organization that matches you, not a generic system for everyone.

Part Two – Secrets of a Professional Organizer
This portion of the book focuses on the analyze/strategize/attack plan mentioned above.

Analyze
Ask yourself these five questions about the area you wish to organize:

1. What’s working?
2. What’s not working?
3. What items are most essential to you?
4. Why do you want to get organized?
5. What’s causing the problems?

The first questions seek to identify the good and bad elements in the situation, while the third seeks to minimize. The fourth and fifth are more introspective, but they actually form an interesting cycle with the first three. Try answering all of the questions twice – I found that it helped quite a bit when trying to use Morgenstern’s philosophy for organizing my home office.

Strategize
Julie really recommends evaluating what you actually do in the area you’re organizing and define “zones” that are focused on each activity. For example, I have a writing space, a GTD/paperwork space, and (soon) a reading space in my home office. Each of these spaces has different things that are easily available – for example, the writing space usually has the books I’m currently reviewing, my list of writing ideas, and my laptop, while my GTD space has an inbox and lots of files in it.

Attack
Solving the problem boils down to five steps:

Sort
Purge
Assign a home
Containerize
Equalize

One key thing to take out of this is that you shouldn’t buy a single container or organization material until you reach the fourth step. Before you buy a bin or a filing cabinet or a box, instead first go through all of the stuff, get rid of the stuff that’s unnecessary, and figure out your general groupings and where they go. Once you have that done, you’ll have some idea of the containers you actually need and they’ll meet your functionality needs.

Part Three – Applying What You’ve Learned
Here, Morgenstern applies all of the information from the first two parts to specific situations: a traditional office, a home-based business, a cubicle workstation, a mobile office, a “household information center,” attics, basements, garages, bathrooms, bedrooms, closets, kids’ rooms, kitchens, and living rooms. Whew! Each one is addressed on a few pages in order to give an outline of a healthy plan of attack.

For example, I gave her information a shot in my home office, which is actually a mix of a traditional office, a home-based business, and a household information center. I read those three sections in detail before diving in and found that I also wound up using the closet information as well, as I began to utilize the closet in there.

The end result? Actually, the process is still ongoing, but I can already feel how much more organized and efficient it’s going to become.

Part Four – Tackling Time and Technology
This final section is very brief and is just a several-page summary of the material in Morgenstern’s Time Management From The Inside Out.

Buy or Don’t Buy?

Time Management From The Inside Out was a good book that I quite enjoyed, but Organizing From The Inside Out thoroughly supercedes it. The underlying philosophy is the same, but that philosophy applies so much better to organizing rooms than to organizing time.

If you have trouble organizing a room efficiently and effectively, take a serious look at Organizing From The Inside Out. My experience in our home office with the ideas in this book have been tremendous – I’m quite convinced that it works, it just takes some thinking and analysis instead of just diving in and “organizing” without a plan.

**written by Trent at The Simple Dollar**

Airline Fares

1. Compare low-cost carriers with major carriers that fly to your destination. Remember, the best fares may not be out of the airport closest to you.

2. You may save by including a Saturday evening stay-over or by purchasing the ticket at least 14 days in advance. Ask which days of the week and times of the day have the lowest fare.

3. Even if you are using a travel agent, check airline and Internet travel sites, and look for special deals. If you call, always ask for the lowest fare to your destination.

Car Rental

4. Since car rental rates can vary greatly, compare total price (including taxes and surcharge) and take advantage of any special offers and membership discounts.

5. Rental car companies offer various insurance and waiver options. Check with your automobile insurance agent and credit card company in advance to avoid duplicating any coverage you may already have.

New Cars

6. You can save thousands of dollars over the lifetime of a car by selecting a model that combines a low purchase price with low depreciation, financing, insurance, gasoline, maintenance, and repair costs. Ask your local librarian for new car guides that contain this information.

7. Having selected a model and options you are interested in, you can save hundreds of dollars by comparison shopping. Get price quotes from several dealers (over the phone or Internet) and let each know you are contacting the others.

8. Remember there is no “cooling off” period on new car sales. Once you have signed a contract, you are obligated to buy the car.

Used Cars

9. Before buying any used car:

* Compare the seller’s asking price with the average retail price in a “bluebook” or other guide to car prices which can be found at many libraries, banks, and credit unions.
* Have a mechanic you trust check the car, especially if the car is sold “as is.”

10. Consider purchasing a used car from an individual you know and trust. They are more likely than other sellers to charge a lower price and point out any problems with the car.

Auto Leasing

11. Don’t decide to lease a car just because the payments are lower than on a traditional auto loan. The leasing payments are lower because you don’t actually own the car.

12. Leasing a car is very complicated. When shopping, consider the price of the car (known as the capitalized cost), your trade-in allowance, any down payment, monthly payments, various fees (excess mileage, excess “wear and tear,” end-of- lease), and the cost of buying the car at the end of the lease. A valuable source of information about auto leasing can be found in Keys to Vehicle Leasing: A Consumer Guide, which is published by the Federal Reserve Board and Federal Trade Commission.

Gasoline

13. You can save hundreds of dollars a year by comparing prices at different stations, pumping gas yourself, and using the lowest-octane called for in your owner’s manual.

14. You can save up to $100 a year on gas by keeping your engine tuned and your tires inflated to their proper pressure.

Car Repairs

15. Consumers lose billions of dollars each year on unneeded or poorly done car repairs. The most important step that you can take to save money on these repairs is to find a skilled, honest mechanic. Before you need repairs, look for a mechanic who:

* is certified and well established;
* has done good work for someone you know; and
* communicates well about repair options and costs.

Auto Insurance

16. You can save several hundred dollars a year by purchasing auto insurance from a licensed, low-price insurer. Call your state insurance department for a publication showing typical prices charged by different companies. Then call at least four of the lowest-priced, licensed insurers to learn what they would charge you for the same coverage.

17. Talk to your agent or insurer about raising your deductibles on collision and comprehensive coverage to at least $500 or, if you have an old car, dropping this coverage altogether. This can save you hundreds of dollars on insurance premiums.

18. Make certain that your new policy is in effect before dropping your old one.

Homeowner/Renter Insurance

19. You can save several hundred dollars a year on homeowner insurance and up to $50 a year on renter insurance by purchasing insurance from a low-price, licensed insurer. Ask your state insurance department for a publication showing typical prices charged by different licensed companies. Then call at least four of the lowest priced insurers to learn what they would charge you. If such a publication is not available, it is even more important to call at least four insurers for price quotes.

20. Make certain you purchase enough coverage to replace the house and its contents. “Replacement” on the house means rebuilding to its current condition.

21. Make certain your new policy is in effect before dropping your old one.

Life Insurance

22. If you want insurance protection only, and not a savings and investment product, buy a term life insurance policy.

23. If you want to buy a whole life, universal life, or other cash value policy, plan to hold it for at least 15 years. Canceling these policies after only a few years can more than double your life insurance costs.

24. Check the National Association of Insurance Commissioners website (www.naic.org/cis) or your local library for information on the financial soundness of insurance companies.

Checking Accounts and Debit Cards

25. You can save more than $100 a year in fees by selecting a free checking account or one with no minimum balance requirement. Request a complete list of fees that are charged on these accounts, including ATM and debit card fees.

26. See if you can get free or lower cost checking through direct deposit or agreeing to ATM only use. Be aware of charges for using an ATM not associated with your financial institution.

Savings Products

27. Before opening a savings account, find out whether the account is insured by the federal government (FDIC for banks or NCUA for credit unions). Financial institutions offer a number of products, such as mutual funds and annuities, which are not insured.

28. Once you select a type of savings account, use the telephone, newspaper, and Internet to compare rates and fees offered by different financial institutions-including those outside your city. These rates can vary a lot and, over time, can significantly affect interest earnings.

29. To earn the highest return on savings (annual percentage yield) with little or no risk, consider certificates of deposit (CDs) or U.S. Savings Bonds (Series I or EE).

Credit Cards

30. To avoid late payment fees and possible interest rate increases on your credit cards, make sure you send in your payment a week to ten days before the statement due date. Late payments on one card can increase fees and interest rates on other cards.

31. You can avoid interest charges, which may be considerable, by paying off your entire bill each month. If you are unable to pay off a large balance, pay as much as you can. Try to shift the remaining balance to a credit card with a lower annual percentage rate (APR). You can find listings of credit card plans, rates, and terms on the Internet, in personal finance magazines, and in newspapers.

32. Be aware that credit cards with rebates, cash back, travel awards, or other perks may carry higher rates or fees.

Auto Loans

33. To save as much as several thousand dollars in finance charges, pay for the car in cash or make a large down payment. Always get the shortest term loan possible as this will lower your interest rate.

34. Make certain to get a rate quote (or pre-approved loan) from your bank or credit union before seeking dealer financing. You can save as much as $1000 in finance charges by shopping for the cheapest loan.

35. Make certain to consider the dollar difference between low-rate financing and a lower sale price. Remember that getting zero or low-rate financing from a dealer may prevent you from getting the rebate.

First Mortgage Loans

36. Although your monthly payment may be higher, you can save tens of thousands of dollars in interest charges by shopping for the shortest-term mortgage you can afford. For each $100,000 you borrow at a 7% annual percentage rate (APR), for example, you will pay over $75,000 less in interest on a 15-year fixed rate mortgage than you would on a 30-year fixed rate mortgage.

37. You can save thousands of dollars in interest charges by shopping for the lowest-rate mortgage with the fewest points. On a 15-year $100,000 fixed-rate mortgage, just lowering the APR from 7% to 6.5% can save you more than $5,000 in interest charges over the life of the loan, and paying two points instead of three would save you an additional $1,000.

38. Check the Internet or your local newspaper for mortgage rate surveys, then call several lenders for information about their rates (APRs), points, and fees. If you choose a mortgage broker, make certain to compare their offers with those of direct lenders.

39. Be aware that the interest rate on most adjustable rate mortgages (ARMs) can vary a great deal over the lifetime of the loan. An increase of several percentage points might raise payments by hundreds of dollars a month, so ask the lender what the highest possible monthly payment might be.

Mortgage Refinancing

40. Consider refinancing your mortgage if you can get a rate that is lower than your existing mortgage rate and plan to keep the new mortgage for at least several years. Calculate precisely how much your new mortgage (including points, fees and closing costs) will cost and whether, in the long run, it will cost less than your current mortgage.

Home Equity Loans

41. Be cautious in taking out home equity loans. The loans reduce or may even eliminate the equity that you have built up in your home. (Equity is the cash you would have if you sold your house and paid off your mortgage loans.) If you are unable to make payments on home equity loans, you could lose your home.

42. Compare home equity loans offered by at least four reputable lending institutions. Consider the interest rate on the loan and the annual percentage rate (APR), which includes other costs, such as origination fees, discount points, mortgage insurance, and other fees. Ask if the rate changes, and if so, how it is calculated and how frequently, as this will affect the amount of your monthly payments.

Home Purchase

43. You can often negotiate a lower sale price by employing a buyer broker who works for you, not the seller. If the buyer broker or the broker’s firm also lists properties, there may be a conflict of interest, so ask them to tell you if they are showing you a property that they have listed.

44. Do not purchase any house until it has been examined by a home inspector that you selected.

Renting a Place to Live

45. Do not limit your rental housing search to classified ads or referrals from friends and acquaintances. Select buildings where you would like to live and contact their building manager or owner to see if anything is available.

46. Remember that signing a lease probably obligates you to make all monthly payments for the term of the agreement.

Home Improvement

47. Home repairs often cost thousands of dollars and are the subject of frequent complaints. Select from among several well established, licensed contractors who have submitted written, fixed-price bids for the work.

48. Do not sign any contract that requires full payment before satisfactory completion of the work.

Major Appliances

49. Consult Consumer Reports, available in most public libraries, for information about specific appliance energy star logobrands and models and how to evaluate them, including energy use. There are often great price and quality differences. Look for the yellow Energy Guide label on products, and especially for products that have earned the government’s ENERGY STAR®, which can save up to 50% in energy use.

50. Once you’ve selected a specific brand and model, check the Internet or yellow pages to learn what stores carry the brand. Call at least four of these stores to compare prices and ask if that’s the lowest price they can offer you. This comparison shopping can save you as much as $100 or more.

Heating and Cooling

51. A home energy audit can identify ways to save up to hundreds of dollars a year on home heating (and air conditioning). Ask your electric or gas utility if they audit homes for free or for a reasonable charge. If they do not, ask them to refer you to a qualified professional.

52. Enrolling in load management programs and off-hour rate programs offered by your electric utility may save you up to $100 a year in electricity costs. Call your electric utility for information about these cost-saving programs.

Telephone Service

53. Once a year, review your phone bills for the previous three months to see what local, local toll, long distance, and international calls you normally make. Call several phone companies which provide service in your area (including wireless and cable), to find the cheapest calling plan that meets your needs. Consider a bundled package that offers local, local toll and long distance, and possibly other services, if you heavily use all the services in the bundle.

54. Check your phone bill to see if you have optional calling features or additional services, such as inside wire maintenance, that you don’t need. Each option you drop could save you $40 or more each year.

55. If you make very few toll or long distance calls, avoid calling plans with monthly fees or minimums. Or consider disconnecting the service altogether and use dial around services such as 10-10 numbers or prepaid phone cards for your calls. When shopping for dial around service, look for fees, call minimum, and per minute rates. Treat prepaid cards as cash and find out if there is an expiration date.

56. If you use a cell phone, make sure your calling plan matches the pattern of calls you typically make. Understand peak calling periods, area coverage, roaming, and termination charges. Contracts offered by most carriers will provide you with a trial period of 14 days or more. Use that time to make sure the service provides coverage in all the places you will be using the phone (home, work etc.). Prepaid wireless plans tend to have higher per minute rates and fees but may be a better option if you use the phone only occasionally.

57. Before making calls when away from home, compare per minute rates and surcharges for cell phones, prepaid phone cards, and calling card plans to find how to save the most money.

58. Dial your long distance calls directly. Using an operator to place the call can cost you up to $10 extra. To save money on information calls, look the number up on the Internet, or in the directory.

Food Purchased at Markets

59. You can save hundreds of dollars a year by shopping at lower-priced food stores. Convenience stores often charge the highest price.

60. You will spend less on food if you shop with a list, take advantage of sales, and purchase basic ingredients, rather than pre-packaged components or ready-made items.

61. You can save hundreds of dollars a year by comparing price-per-ounce or other unit prices on shelf labels. Stock up on those items with low per-unit costs.

Prescription Drugs

62. Since brand name drugs are usually much more expensive than their generic equivalents, ask your physician and pharmacist if a less expensive generic or an over the counter alternative is available.

63. Since pharmacies may charge widely different prices for the same medicine, call several. When taking a drug for a long time, also consider calling mail-order pharmacies, which often charge lower prices.

Funeral Arrangements

64. Plan ahead, making your wishes known about your funeral, memorial, or burial arrangements in writing to save your family or estate unnecessary expense.

65. For information about the least costly options, which may save you several thousand dollars, contact a local Funeral Consumer Alliance or memorial society, which are usually listed in the Yellow Pages under funeral services.

66. Before selecting a funeral home, call several and ask for prices of specific goods and services, or visit them to obtain an itemized price list. You are entitled to this information by law.