Cut Expenses Now!

Make each dollar go further. Here are some quick tips to make it easy for homeowners and renters to save money.

Do you have your power company do a energy audit to see how you can reduce energy costs? If not, do it now.

Adding energy wise insulation to your home and lowering your thermostat will reduce energy and save you some $$$$, and one of those programmable thermostats are worth their cost.

Do you need ultra hot water? Can you lower hot water thermostat? It's advised to not go below 120 degrees

Leaky hot water faucets need repair immediately.

Buy those compact fluorescent bulbs. They cost a bit more but are worth the cost in what you save in energy costs.

Does your power company have a energy-saving program where they shut down electric appliances for a short period during peak hours. If they do, opt in.

Did you know that front loading washing machines use 50% less energy and less water too?

These are just a few of power tips that can save you $$$$$$$!

Have you considered other phone service companies?

With all the competitive offers out there you have bargaining power. See another company you like but don't really want to change your current provider? Call your present company and negotiate. You can do it. Tell them what the other company has to offer. If they don't want to deal then tell them goodbye.

Do you really need call waiting, caller ID, voicemail, and especially call forwarding? How often do you use any of these? Rarely? Dump them. They are just costing you and you want to increase your $$$$$ not decrease them.

Can you get by with just a cell phone? Compare the two costs. Landline, Cell??? Which is cheaper and which do you use most often.

How about using your cable Internet provider for phone service? It's worth looking into.

Recreation and Entertainment. Get your friends together and form a group for a play, sports event, even trips. Group rates are cheaper and always fun when you're with friends.

Cruise FREE!

Walk In Health Clinics

Located in more and more pharmacies and stores they are a low cost alternative to Dr. and ER visits. They are convenient, needing no appointment and you can fit them into your schedule. They are usually staffed by nurse practitioners and medical assistants that you often see in your regular Dr.'s office. You can often save as much as 50%.

Generic Drugs

Can you believe some of those high co-pay drugs can cost as little as $4.00 for a month supply when you switch to generic. You can also find places where using a discount prescription drug card can save even more.

Dental Costs

Find out if a family dental plan is good for you.
They can be as much as $50.00 off a procedure for a individual or family annual premium. Also, check out a dental school if there is one in your area. Dental costs can take a big bite, pun intended, out of your budget.