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.

---

Credit And Debt Relief--A One Stop Solution

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

Debt Problems? You Can Negotiate With Your Creditors

It is always possible to negotiate with creditors ? even... Read More

Is My Credit Card Debt A Problem?

For most Americans, credit card debt is a dangerous and... Read More

New Bankruptcy Law ? Five Essential Things to Know

Last April, Congress passed the Bankruptcy Abuse and Consumer Protection... Read More

Debt Relief -- Why Most Programs Have A 75% Failure Rate

Debt consolidation, equity loans, credit counseling, debt management plans, even... Read More

What You Should Know About Bankruptcy

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

Your Ticket Out of Debt Relief

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

Debt

We all know about debt. If you don't have too... Read More

Debt Getting You Down? - Make a List!

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

Bankruptcy 101

Bankruptcy still remains a mystery in the eyes of many... Read More

Debt Consolidation Versus Debt Negotiation

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

UK Debt When Moving Abroad

The idea of moving abroad to escape debt seems to... Read More

Deal with All Your Debts with Care!

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

Is There A Way Out Of Your Debt Problems?

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

A History of Money and Banking Secrets That Banks Dont Want Published

A History of Money and TradeTo start with a history... Read More

Home Equity ? Foreclosure Often Not Necessary in Current Market

While driving around your community, you may have seen signs... Read More

What Does A Bankruptcy Trustee Do?

Once you file bankruptcy a court appointed bankruptcy trustee will... Read More

Should You Join a CCCS - Consumer Credit Counseling Service for Debt Relief and Financial Freedom?

Do You Need to Join a CCCS - Consumer Credit... Read More

Fast Track Out of Debt

You go to the mail box and scan - a... Read More

Do It Yourself Debt Relief

With mounting bills and unforeseen hardships, you may be considering... Read More

Learn How to Get out of Debt

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

Bankruptcy - The New Scarlet Letter

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

New Bankruptcy Law Will Not Protect You from Identity Theft

Recently passed by Congress with overwhelming support, the oddly-named Bankruptcy... Read More

The Last Debt Solution Should Be Bankruptcy

A debt solution like bankruptcy should really only be used... Read More

Debt Free and Carefree

Are you still clearing a mountain of debt amassed last... 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

Take Careful Consideration Before Filing Bankruptcy

Filing bankruptcy is not fun! It is a last resort... Read More

How to Become Debt Free

In today's consumer society it is all too easy to... Read More

Bankruptcy: Who is to Blame?

If you are considering bankruptcy as a solution to your... Read More

Reduce Your Debt

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

Free Quick and Easy Money Saving Tips ? Part 2

Although many consumers would argue differently saving money doesn't have... Read More

Establish Money Saving Goals For Added Success

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

Can You Escape the Trap of Ever Growing Debt?

It's difficult not to be concerned when facing numbers like... Read More