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Save On Air Conditioning Costs

Cut back on air conditioner use and keep air moving by placing oscillating or fixed fans where you need them most: in the kitchen, in your work area or TV viewing spots, and near your bed. Energy-efficient ceiling fans are even better for keeping the whole room comfortable.

Summer Savings!

June-
Electronics, Summer Sporting Goods, Furniture and Mattresses

July-
Spring and Summer Clothing, bathing Suits, Beachwear and Air Conditioners

August-
More Summer Clothing and watch for post Labor Day sales and Clearance items.

Waste Not Want Not

Cheaper, safer, cleaner than ever. Spending too much on household cleaners, many of which are loaded with toxic substances. You can make an all purpose cleaner by mixing water, baking soda and vinegar together and store it in an old mason or jelly jar.

Additional recipes for all kinds of cleaners are available at www.treehugger.com. You can save yourself at least $250 a year!

Water in short supply but in high demand. Save gallon after gallon in the bathroom alone.
There are all kinds of steps that you can take, such as taking shorter showers and turning off the tap while brushing your teeth. The best of all-time favorite way to save water is to put a brick in your toilet trick. Just take a brick and put it in the tank. If you put the brick in there, you will save approximately a third of a gallon every time you flush. Estimate 8% of your water costs.

Power (Non) Play- Electric bills skyrocketing because of constantly plugged in gadgets.
The best product on the market is called the "smart" power strip that has multiple outlets for your game consoles and desktops and the energy sucking plasma TV's. Best price that I found is through www.amazon.com. Search smart strip.

Original Story by: Dennis McCafferty

Save Money on Your Auto Insurance

Reduce Coverage on Older Vehicles

If your car is old and paid for, consider eliminating your collision coverage. This is the coverage that pays for any damage that you cause to your own vehicle, and it makes up a big portion of your insurance cost.

Use One Insurance Company

Group all of your insurance policies – auto, home/renters, etc. – at one insurance company, and you'll earn a multi-line discount, good for up to 10% off of your total premium.

Raise Your Deductible

Slash your auto premium drastically by raising your deductible – the amount you pay out of pocket when you make a claim. The difference between a $250 deductible and a $500 deductible is usually quite substantial, and the difference between a $250 deductible and a $1,000 deductible, even more so. Decide how much you can afford to spend out of pocket, and then adjust your deductible accordingly.

Get a Quote Before You Buy

Before buying a new vehicle, call your insurance agent to find out how much it's going to cost to insure the vehicle. Premiums can vary widely based on the make, model and year of a vehicle.

Contests

One of the ways that you may be able to offset the high cost of living is to spend a little time entering legitimate contests, through magazines and popular websites like www.oprah.com, www.ellen.com and www.sweetiessweeps.com. You can win free stuff. Many people have won TV's vacations, a years supply of dog food and more.

Give it a try!

www.sweetiessweeps.com is a great website resource to learn everything that there is to learn about contests and sweepstakes. The site teaches you how to win and also posts links to all of the current contests. Good Luck!