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.

---

Debt Getting You Down? - Make a List!

Debt is not much fun and when faced with it,... Read More

Dont Let The Good Times Bury You

It is vital to get rid of debt while things... Read More

Debt Validation: Do you have to pay ?

It happens all the time. Debt collectors try to collect... Read More

Debt Management Systems

What is a debt management system, and when do you... Read More

Different Ways Of Dealing With Debt

Bills, creditors, debt collectors. Are you yearning for the days... Read More

Are You Beating Up On Yourself About Debt?

When you hear the word "debt", whats the first thought... Read More

Bankruptcy Interest Increases as Deadline Approaches

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

5 Options Toward Debt Relief

If you are in debt, well over your head in... Read More

The 5 Secrets to Getting Out of Debt Fast

As they stare down at a teetering pile of bills,... Read More

Debt Elimination 2

The First Step To Debt EliminationRegardless of your personal and... Read More

Your Secret Weapon... A Budget

For many, the word 'budget' immediately sends shivers down the... Read More

Reduce Your Debt

Do you want to reduce your debt? Having trouble paying... Read More

How to Negotiate Debt Settlements

Knowing how to negotiate debt settlements is the key to... Read More

Free Quick and Easy Money Saving Tips ? Part 1

With the high cost of gasoline and the amount of... Read More

Mr. Cheapies Frugal Budget Tips

So you feel like a hamster spinning your wheel? The... Read More

Credit And Debt Relief--A One Stop Solution

Amy Wright, 34, was extatic when her realtor showed her... Read More

Two Ways To Debt Relief

There are many debt relief programs out there both off... Read More

Deal with All Your Debts with Care!

Lots of people take a large ammount of loans and... Read More

Life After Bankruptcy

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

The Effects of Consumer Debt

Consumer Borrowing Consumer borrowing in the UK has now crashed... Read More

Bankruptcy - The New Scarlet Letter

Nathaniel Hawthorne's book The Scarlet Letter states in Chapter 2,... Read More

Learn How to Get out of Debt

Debt is becoming number one problem in the United States... Read More

Future Secured? Oh Really?

A headline for a retirement annuities flyer declares "Future Secured!"... 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

Whatever You Do....Dont Save Money!

No, that's not a misprint. Even though falling interest rates... Read More

Debt and Financial Optimism in the UK Continue

With £1.3 trillion pounds worth of debt in the UK,... Read More

The First Step To Getting Out Of Debt: Make The Commitment!

These days, getting into debt is easy.Unfortunately, getting out of... Read More

Debt Consolidation Versus Debt Negotiation

Debt consolidation versus debt negotiation are two options that are... Read More

Debt: Dont Pay Your Minimum Balance

Almost all Americans carry credit card debt. Actually, over 40%... Read More

Repair Bad Credit Yourself

In March 2005, the U.S. financial services industry succeeded in... Read More

What is Debt Settlement?

Debt settlement is the process of negotiating with your creditors... Read More

How to Reduce Your Debt in 5 Easy Steps

If you have incurred substantial personal debt, consider these options:... Read More

Bankruptcy - Is It The Right Choice For You?

Bankruptcy is one of the tougher choices we as adults... Read More