Drug testing

Free Quick and Easy Money Saving Tips ? Part 1

With the high cost of gasoline and the amount of money needed to lead a comfortable life slowly increasing many consumers may be worried about how to make ends meet. Fortunately there are lots of ways to save money in a variety of areas. Using any of the 5 tips outlined below will leave a little something extra in your bank account at the end of month and eventually could influence the quality of lifestyle you lead.

Tip Number 1 ? If you want to find out whether or not your home is wasting any of your money you can have a home energy audit done. This simple procedure can identify ways to save up to hundreds of dollars a year on home heating (and air conditioning). In some cases your utility company will conduct an audit for free.

Tip Number 2 ? In many cases your utility bill can be adjusted in your favor simply by performing your regular chores at a different time of the day. Ask your utility company if they offer discount rates during non-peak usage hours. If they do modify your current routine or schedule in order to take advantage of lower rates. For instance instead of doing laundry during the day wash your clothes at night after 9:00 pm if your electrical company offers cheaper rates at that time.

Tip Number 3 ? Your phone bill is another easy target when it comes to looking for ways to save money. 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. Write these figures down and then call several phone companies, which provide service in your area. Using the phone usage amounts you previously wrote down compare what these other providers offer in order to find the cheapest calling plan that meets your needs.

Another popular money saving alternative is a bundled package. A bundled package offers local, local toll and long distance, and possibly other services at a better rate then you would normally pay separately. Be sure to also 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. Every non-essential option you drop could save you $30 or more each year.

Tip Number 4 ? When making your phone rate comparison as outlined in tip number 3 make a mental note to identify if you make very few toll or long distance calls. If so then avoid calling plans with monthly fees or minimums. Another option would be to disconnect your phone 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.

Tip Number 5 ? If you make a large amount of your phone calls away from your home make sure to shop around to find the best deal on cell phones and calling cards. Make sure to compare per minute rates and surcharges for cell phones, prepaid phone cards, and calling card plans to find how to save the most money. Cell phone plans offer so many options that failure to compare and find the best one that closely matches your calling patterns is like throwing money down the toilet.

These 5 quick tips could easily save you several hundred dollars a year, which you could put to better use in a savings program or to pay off higher interest loans and other bills.

Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides insurance information and offers discount auto, life and home insurance that you can research in your pajamas on his website.

Other websites operated by Tim: Cellular-Phone-Solutions.com - Free information and resources regarding cell phones and cell phone plans.

Military-Loans-Online.com ? Which provides free money saving loan quotes on all of your loan needs to include home equity loan information.

limousine chicago service
In The News:

Debt Free Living - 5 Tips To Get Out Of Debt

A few times I wonder what sort of credit system... Read More

Personal Bankruptcy: Last Option To Legally Stop Bill Collectors

Do you have stacks of unpaid bills?Are you in debt?Are... Read More

Student Loans Can?t Be Swept Away Through Bankruptcy

Bankruptcy is in the news these days, as Congress has... Read More

The Bankruptcy Code Acknowledges the Validity of the Homestead Exemption

Many times the subject of bankruptcy seems baffling in its... Read More

A Debt Elimination Process Must Be Initiated From You.

The first and maybe most important step in a debt... Read More

What Are The Benefits and Consequences Of Getting Rid Of Debt The Easy Way

We have all experienced getting so far in debt we... Read More

Learn The 15 Debt Elimination Steps You Must Take Immediately!

What Everybody Needs To Know...Learn The Truth About Debt Elimination... Read More

Assess Your Financial Attitude and Eliminate Your Debt Forever

Want to know if your attitude towards your finances is... Read More

Credit Repair - Understanding The Basics

What is Credit?Credit means that you are using someone else's... Read More

Establish Money Saving Goals For Added Success

Having something tangible to strive towards can work wonders for... Read More

Five Major Ways to Save Money

There are two main roads to improving your personal finances:... Read More

Life After Bankruptcy

Bankruptcy and Credit - What Happens After Your Debts Are... Read More

What Is A Chapter 13 Bankruptcy?

Many consumers that are bogged down in debt frequently turn... Read More

Your Ticket Out of Debt Relief

If you are in debt over your head and wondering... Read More

Currency Trading Fee Concept

Troubles with Global Economy; Do you see future problems with... Read More

How to Negotiate Debt Settlement

People over extend themselves financially as a result of a... Read More

Debt Reduction, a Necessary Endeavour

Massive debt is something many Americans face. Debt reduction is... Read More

How to Deal with Bill Collectors

So you've screwed up. You're drowning in debt. Maybe the... Read More

What You Should Know About Bankruptcy

Filing bankruptcy is not only a last resort legal action;... Read More

Bankruptcy Interest Increases as Deadline Approaches

Congress recently passed sweeping legislation that will significantly reform American... Read More

Is There A Way Out Of Your Debt Problems?

Do you have multiple debts? Do you have just one... Read More

Bankruptcy Abuse

Bankruptcy is little more than a smack on the hand... Read More

Bankruptcy Your Best Bet?

Filing bankruptcy is a common practice among the U.S. Over... Read More

Reduce Your Debt With These 5 Tips

It's never pleasant to realize that you're in financial hot... Read More

Start Small and Your Wealth Will Get Bigger

We've all heard the phrase, "You have to start somewhere."... Read More

white led light led outdoor lights Pete's produce ..