56 Easy Ways To Slash High Electricity Bills
1. Turn off lights in any room not being used. 2. Shut off dishwasher for dry cycle. Let your dishes "air dry". 3. Use a window fan instead of air conditioner whenever possible. 4. Turn off your TV, radio, record player when not in use. 5. Use large bulb instead of several small ones where bright light is needed. 6. Use lamp shades with white liner. This reflects more light. 7. Replace incandescent with fluorescent bulbs wherever possible. 8. Teach all family members to turn off lights when leaving a room. 9. Don't use dishwasher or laundry equipment until you have a full load. 10. Use outdoor lights only where they are needed. 11. Make sure your refrigerator and freezer door seals are airtight. 12. Save electricity by using old-fashioned clothesline for clothes drying. 13. Keep air conditioning condenser shaded from sun or on north side of house. 14. Vacuum or dust off coils of refrigerator and freezer regularly. 15. Turn off air conditioning when no one is home. 16. "Instant-on" TV sets use energy even when set is not turned on. 17. A full freezer uses less energy. Use bags of ice cubes to keep filled. 18. Never overload clothes dryer and always clean lint filter after use. 19. Freezers and refrigerators that defrost automatically use more energy. 20. Let hot foods cool before placing them in the refrigerator. 21. Remove clothes that require ironing from the dryer while they are damp. 22. When replacing switches, consider installing solid state dimmer switches. 23. Use low wattage night-light bulbs that now come in 4 and 7-watt sizes.
24. Place your refrigerator in the coolest part of the kitchen. 25. Don't "over dry" clothing. It wastes energy and may damage synthetics. 26. When going away for extended periods, set refrigerator at lowest setting. 27. Turn off electric water heater when going away for vacations or weekends. 28. Turn 3-way lamps down to lowest level for TV watching. 29. Choose light, reflective colors for room ceilings and walls. 30. Never connect any large appliance to an extension cord. 31. Decide exactly what you want before you open the refrigerator door. 32. Defrost refrigerator regularly - when about 1/4 inch of ice has formed. 33. "Long-life" light bulbs use more energy than standard life bulbs. 34. Turn off your iron when not using it. 35. Put light switches where they are easy to turn on and off. 36. Keep appliances clean and in good working order. They'll use less energy. 37. When using air conditioning, set thermostat at 78 degrees or higher. 38. Keep bulbs and lighting fixtures clean. Dust lowers light levels. 39. Eliminate unnecessary outdoor decorative lighting. 40. Plant shrubs and trees so that they will shade house during summer months. 41. Use higher wattage bulbs only for reading and close work. 42. Insulating your attic will save on operating air conditioning (also heating). 43. If you have a second refrigerator, ask yourself if you really need it. 44. Keep the outside exhaust of your clothes dryer clean. 45. Buy appliances on the basis of cost plus operating costs, not price alone. 46. Buy clothing made of fabrics that require little or no ironing. 47. Use hand tools in your workshop instead of power tools. 48. When using air conditioning, keep windows closed &
close off unused rooms. 49. Use reflector floodlights in directional lamps instead of standard bulbs. 50. Buy only "no iron" sheets and pillow cases to save on ironing energy. 51. Use adapters to convert table lamps into low-energy fluorescent lamps. 52. Microwave ovens reduce cooking time by 15% to 20% and save energy. 53. When shopping for new appliances, ask about energy-efficient models. 54. Don't use several light bulbs where one will do the job. 55. Limit the use of appliances that use over 1,000 watts. 56. Check all energy bills closely. Errors can be costly.
47 Proven Ways To Economize At Home Every Day 1. Wash and reuse foil wrap. 2. Save "junk mail" reply envelopes for filing recipes, receipts, etc. 3. Trade things you don't want with friends, neighbors, relatives. 4. Restrict family between-meal snacks to inexpensive and healthful in-season fruit and vegetables, home-popped corn, raisins, etc. 5. Become a "brown bagger". Take your lunch to work. 6. Save and reuse plastic sandwich bags and paper lunch bags. 7. Tie soap remnants in a piece of nylon net and use as a body sponge. 8. Crumpled up used aluminum foil is ideal for scouring pots and pans. 9. Paper towels are expensive. Use washable cloth dish towels instead. 10. Wash and reuse transparent plastic wrap. 11. Save empty plastic food containers for storing leftovers & freezer use. 12. Don't throw away anything. Save everything for a
future garage sale. 13. Attend movies early when prices are generally lower. 14. Don't buy expensive gifts. Give exotic home grown plants or bake a cake. 15. Give yourself a home permanent instead of paying top prices at a salon. 16. Consider cutting your family's hair yourself. 17. Use plastic bread wrappers and produce bags for freezer use. 18. Use washable cloth handkerchiefs instead of expensive facial tissues. 19. Organize a baby-sitting club with friends & neighbors. Take turns. 20. Think in terms of doing it yourself rather than hiring someone to do it, such as home repairs, painting, garden work, cutting the lawn, etc. 21. Swap services with friends and neighbors who can do things you can't. 22. Take advantage of free recreation, such as picnic areas, libraries, public tennis courts, swimming areas, parks, zoos, etc. 23. If you're not going out to shop, leave your credit cards at home. 24. Learn about the many bargains at "no frills" discount stores. 25. Avoid spending on "throwaway" items such as disposable razors, flashlights, pens, toothbrushes, paper cups & plates, diapers, cigarette lighters, etc. 26. For parties, use reusable plates, cups, glasses, utensils, napkins-instead of expensive paper and plastic disposables. 27. Pay credit card charges when they become due so interest isn't added. 28. When buying big-ticket items, learn all about them from consumer magazines and guides before you buy. You will be less apt to make a bad choice. 29. Garage sales and flea markets are excellent for both selling and buying. 30. Start your children earning money at an early age. 31. When buying insurance, pay the premium annually. It's less expensive in the long run than paying monthly, quarterly or even semi-annually. 32. Check all monthly bills closely, including your bank balance. Big companies can and do make mistakes. 33. Examine your check at restaurants to make sure no error has been make.
34. Buy things out of season for big savings, such as after Christmas. 35. Grow your own herbs and spices in window-sill flower pots. 36. Coffee is expensive. Brew only as much as your family will drink. 37. Save and sell recyclable materials such as aluminum, paper, etc. 38. Don't spend for extra ice cubes. Store them in plastic bags in the freezer. 39. Bread becomes stale more quickly in the refrigerator. Store it at room temperature or in the freezer. 40. Learn about auto upkeep and how to do minor repairs yourself. 41. Don't look for a new apartment until after the peak renting season is over. 42. Instead of buying gorgeous house plants, get cuttings from friends. 43. If you need a lawyer, carefully investigate his fees in advance. 44. Be wary of banking gimmicks. Be sure you get the best deal in town. 45. Shop at discount and variety stores for biggest savings on cosmetics. 46. Dilute your shampoo with small amount of water - for easier rinsing. 47. Before buying anything new, ask yourself if you really need it.
57 Ways To Reduce Housing & Home Expenses 1. Consider buying an old, inexpensive house & modernizing it yourself. 2. Check firms that build the house's exterior and you do the inside work. 3. Give thought to living in a mobile home or modular housing. 4. You can save substantially by learning how to conserve home energy.
5. Insulate your home yourself & you may be entitled to a large tax credit. 6. Use solar energy in your home & reduce conventional energy expenses. 7. Pay property insurance premiums annually for substantial savings. 8. Moving costs may be tax deductible, if it was done for business reasons. 9. If necessary, add extra rooms instead of looking for a larger house. 10. Keep your home in good condition. It will insure top money when selling. How to save on home repair bills...... 11. Practice preventable maintenance. Take good care of what you have. 12. Get an illustrated manual & learn to repair most common problems yourself. 13. When needed, ask friends & neighbors whom they recommend for repair work. 14. Always get competitive bids for larger repair jobs. 15. Before hiring a firm, ask for names of their customers you can contact. 16. If a loan is required for repairs, shop round for lowest interest rates. 17. Borrow money for the shortest period possible. 18. Use reputable firms. Check with Better Business Bureau if necessary. 19. Establish a good trusting relationship with a reliable repair service. 20. Get a signed cost estimate before repair work is started. Where to find the best home bargains..... 21. Discount stores. 22. Auctions. 23. Catalog stores. 24. Garage sales. 25. Flea markets. 26. Thrift stores. 27. Classified ads. (You'll get a better bargain from private owner, than from a store). 28. Sales and clearances of reputable stores. 29. Look for "floor samples" and "demonstrator's models 30. Shop for discontinued models and "slightly damaged" merchandise.
31. Buy "unclaimed" and "repossessed" furniture at warehouse sales. 32. Buy unpainted furniture and finish it yourself. 33. Try to buy wholesale. Some manufacturers have "wholesale outlets". 34. Consider working a swap with friends, relatives, neighbors. How to buy furniture, appliances, furnishings intelligently........ 35. Before you buy, ask yourself, "Do I really need it?" 36. Shop around before you decide. Become an expert comparison shopper. 37. Ask around. Talk to others and ask their experiences, suggestions. 38. Go to the local library and read. Check out recent articles on the subject. 39. Is the merchant reliable in case you have any problems later? 40. Never sign contracts or agreements until you know what you are signing. 41. If you buy on credit, keep a written record of your spending in your wallet. 42. Use charge cards only if you pay bills before interest is added. 43. Buy only low-energy, high efficiency appliances. 44. See if you can "make do" with what you have. 45. When ordering carpeting, ask for broadloom remnants and save about half. 46. Make some items yourself, such as curtains, draperies, bedspreads, etc. 47. Buy radios and TV's during January & May sales. 48. February & June are good times to buy bedding, floor covering, furniture. 49. Shop March & July for good buys on washers and dryers. 50. Buy rugs during August and October sales. 51. Stock up on household linens during the months of January, May & August. 52. March is a good month to buy a house, right after school vacation starts. 53. Buy a kitchen range, paint & wallpaper during April sales. 54. March is a good month to select a new air conditioner. 55. January sales are good for buying small appliances,
blankets, quilts. 56. Buy housewares in Feb., Sept.; china & glassware in March & Sept. 57. Buy fabrics in Jan. & October; storm windows in June & July.
38 Proven Methods To Reduce Medical & Dental Costs
1. Don't get sick! Practice preventative medicine. Eat a balanced diet. 2. Keep your weight down. Encourage family members to do the same. 3. Choose a family doctor before you get sick. To find one, ask friends. neighbors local medical society or nearby hospital. 4. If you have minor medical problems, phone your doctor. Don't visit him. 5. Purchase prescription drugs by generic names rather than brand names. 6. Buy drug items from discount stores where they are less expensive. 7. If vitamin/mineral supplements are necessary, order from mail order firms such as: Nutrition Headquarters, 104 W. Jackson Street, Carbondale, IL 62901. 8. If you smoke, stop. You'll eliminate heart, lung, circulatory problems. 9. Excessive alcohol is bad for anyone. Cut down or stop drinking entirely. 10. Ask your doctor for "starter" samples of drugs he may prescribe for you. 11. Protect against cost of blood transfusions. Contribute blood periodically. 12. By law, all aspirin is the same. So always buy the cheapest brand. 13. If your doctor writes a prescription for a brand name drug, ask the pharmacist to substitute a less expensive generic drug. 14. Most prescription drugs may be ordered from mail order pharmacies licensed by the state. Ask your doctor, pharmacist or hospital for the name and address of such
firms. This is a great saving for non-emergency drugs. 15. Check public health centers in your area. They usually give immunizations and routine screening tests free of charge. or for very little cost. 16. Buy a good home medical guide. Learn to recognize symptoms of diseases. 17. If you have a persistent problem, get it taken care of as soon as possible. 18. Record all medical expenses for tax deductions. 19. If possible , use "out patient" facilities for minor operations and medical procedures if it is acceptable to you and your doctor. 20. Have physical examinations regularly. 21. for minor surgery, ask your doctor if it can be done in his office. 22. If hospitalization is necessary, have all tests done before you enter. 23. Discuss your financial condition with your doctor, especially before surgery or special medical program. He may be able to suggest savings. 24. Save on hospital costs. Get in and out as quickly as possible. Before you enter, be aware of what everything will cost and cut out the "frills". 25. Shop around first. Then join the best health care plan you can afford. 26. If a doctor claims you require surgery, get a second opinion. A second M.D. nay know of a non-surgical treatment that works. 27. Investigate any health insurance organizations in your area. These are groups of doctors who offer you all the health care you need in a year for a single predetermined fee. Check your phone book. 28. Many medical schools that train optometrists and podiatrists operate low-cost clinics. These clinics are open to anyone. 29. Senior citizens who join the American Association of Retired People get drug discounts. Ask your doctor for the name and address. 30. Home health care is sometimes possible if there is a knowledgeable person around. discuss it with your doctor and you may shorten your hospital stay. 31. If you are in bad financial straits, you may be eligible for Medicaid. Your local Dept. of Social Services can give you information. 32. Keep your own accurate and up-to-date medical history.
33. Many large corporations now arrange for their employees to get free or low cost medical and dental care, and medicine. 34. When visiting your doctor, bring along a list of questions you want to ask. 35. Observe and teach all family members good dental hygiene. 36. Visit your dentist regularly for checkups. 37. Use the best and cheapest dentifrice: salt & bicarbonate of soda. 38. Many dental colleges operate no-cost or low fee dental clinics.
45 Professional Tips To Cut Big Gasoline Bills
1. Before getting into your car, ask yourself "Is this trip necessary?"! 2. On short trips, try walking or bicycling. It's good exercise. 3. Consider car-pooling and share the gas bill and ride. 4. Always use the shortest route and avoid sightseeing trips and bottlenecks. 5. Organize activities and perform as many errands as possible in one trip. 6. If possible, avoid driving during rush-hour & other peak traffic periods. 7. When bargain hunting, check newspaper ads and use your telephone. 8. Do they deliver? Let them pay for the gas! Try mail order firms, too. 9. Make a list and do all the grocery shopping once or twice a week. 10. Let the kids run some of the errands. Let them walk to school, too. 11. Public transportation may be cheaper, especially when traveling alone. 12. Pack as little in your car as necessary so it has less weight to carry. 13. Shop around for service stations with the lowest
gasoline prices. 14. Check to see if there are "self service" gas stations in your area. 15. Don't speed. Cars get about 21% more mileage at 55 mph then at 70 mph. 16. Better planning reduces the need for speeding, to get there in time. 17. When starting your car, don't idle it for more than 30 seconds, even in cold weather. Today's cars are designed to be driven almost immediately. 18. If you must stop for more than 30 seconds, don't idle your car. The engine os more fuel efficient if your turn it off and restart it. 19. Drive evenly with a steady foot. Avoid jiggling the accelerator. 20. Keep tires properly inflated at all times. (Check pressure when cold). 21. Use air conditioning only when necessary. Try opening the window. 22. Avoid "jackrabbit" starts. When starting, press accelerator slowly. 23. Avoid panic stops. When possible, coast to stops such as traffic lights. 24. Remove items that cause wind resistance, such as luggage racks. 25. Don't forget to release the emergency brake before pulling away. 26. Never rev engine before killing it. This wastes gas, wears out cylinders. 27. Keep tuned to radio traffic reports & avoid traffic jams, other delays. 28. Make certain your gas cap fits properly. 29. Use the lowest octane gas that won't make your engine knock. 30. Use only your right foot for accelerating and braking. That way you can't accidentally ride the brake and use excessive gas. 31. Shift into high gear as soon as possible. If you have automatic transmission, lift your foot from the accelerator about one second early. 32. Pass other cars as soon as you see you are overtaking them. Don't wait. 33. Keep your car properly tuned for top fuel efficiency. 34. Keep brakes properly adjusted. Dragging brakes increases resistance. 35. Operate as small a car as possible for your driving
needs. (Small cars weighing half as much as large cars use about half as much gasoline!) 36. Avoid cars with gas-consuming options such as air conditioning; power equipment such as window, door locks, etc.; automatic transmission, etc. 37. In hot climates, drive a car with light colored exterior and interior, to reflect light, heat. Tinted glass also prevents heat buildup. 38. Use radial tires for less friction between tire and road. 39. When driving, keep your eyes moving and your feet still! 40. Keep your steering wheel still too. The more you weave back and forth, the farther your car has to travel and the more gas is consumed. 41. Don't overfill your gas tank. It could leak or spill in heat or on a hill. 42. Use snow tires and/or chains as little as necessary because they make your car work harder and use more gasoline. 43. When you see a hill ahead, build up speed before you reach it, then maintain your speed on the slope. (If you must accelerate on the hill, you will use much more fuel). Then coast down the other side. 44. Keep wheels aligned for better mileage. Longer tire life, too. 45. Record all gas purchases for tax deduction purposes.
54 Secrets To Save On Family Clothing Purchases
1. Before purchasing new clothing items, ask yourself if you really need it! 2. If you charge clothing, pay your bills before "due date". 3. Consider shopping at discount stores. 4. Can you get along without it until a sale comes along
at season's end? 5. Is it a new "fad" that may be out of style in a short time? 6. Shop for clothing at rummage sales, garage sales, flea markets, etc. 7. Shop for used clothing at "like new" shops - see your Yellow Pages. 8. Watch newspaper ads for store sales, clearances, close-outs, etc. 9. Consider buying or renting a sewing machine and making it yourself. 10. Save by shining your own shoes. 11. Keep care costs in mind. Buy washables and save on dry cleaning bills. 12. Shop for clothing at thrift shops. 13. always keep your clothes clean and in good repair. They'll last longer. 14. Raise cash by selling discarded clothing at garage sales, flea markets, etc. 15. Alter adult's clothing for your children. 16. Make minor clothing repairs yourself. 17. Get old shoes repaired for longer wear: resoled, new heels added, etc. 18. Buy only clothing items that are well made and will wear well. 19. Stick to basic styles, colors, fabrics. 20. Trade clothing items with friends & neighbors (especially children's). 21. Carry a plastic raincoat to protect clothing from unexpected showers. 22. Look for clothing bargains in newspaper classified ads. 23. Buy versatile clothes that can be used for different occasions. 24. Buy coordinated clothing so you can mix and match and have more outfits. 25. donate used clothing to charities for tax deductions. 26. Save older children's clothing for hand-me-downs for the younger ones. 27. Hand clothes properly for longer life. 28. change into old (washable) clothes for dirty at-home tasks. 29. Before storing, shoes should be cleaned, polished & shoe trees inserted. 30. Take extra special care of leather clothing items for lifetime wear.
31. Avoid dry cleaning bills. Many spots can be removed with cleaning fluids. 32. Buy dual-purpose clothing, such as reversibles, topcoat/raincoats, etc. 33. If bored with a pair of shoes, consider dying them a different color. 34. Use worn-out clothing for cleaning, household wipes, and "nose blowers". 35. Consider saving by ordering clothing items from mail order houses. 36. Buy children's clothing items a size or two larger for longer wear. 37. During sales, stock up on basics: sleep wear, underwear, socks, etc. 38. Teach children to care for their clothing. 39. don't "kill time" in clothing stores or you may buy things you don't need. 40. Get to know where to go for the best buys for certain items. 41. Practice sales resistance if you can;t find exactly what you want. 42. Remember that high price does not necessarily mean good quality. 43. When shopping, have a definite plan and stick to it. 44. If you cannot find what you want, go home without it. 45. Never buy anything just because "everyone else is wearing it"! 46. Buy men's suits & coats in February, April, November & before Christmas. 47. Stock up on children's clothes after back-to-school sales in October. 48. Buy men's shirts, socks and underwear before Father's Day in June. 49. Buy women's winter coats & suits in November. 50. Buy summer clothing, swimsuits, shoes & sandals during sales in July. 51. Buy cocktail dresses, winter boots and furs during January sales. 52. Shop "After Easter" sales for children's clothes, dresses, spring coats and fabrics (for home sewing). 53. Look for spring sportswear sales during May. 54. Buy ski clothing during August; other sports clothing during July sales.
53 Practical Ways To Fight High Grocery Prices
1. Learn to cook intelligently. Invest in a good, inexpensive cookbook. 2. Plan all meals in advance. 3. Cook only as much food as your family will consume at each meal. 4. Cook slowly. Do not overcook. This prevents vitamin & mineral losses. 5. Save and make use of all leftovers. Start collecting leftover recipes. 6. Serve smaller portions. Eat less, stay slimmer...and healthier. 7. Eliminate fancy, fattening, expensive desserts. 8. Give children smaller portions and teach them not to waste food. 9. Pet food is expensive. Train your cat and dog to eat leftovers. 10. Avoid "fad" and junk foods consisting of empty calories. 11. Cut down on all sweets, white flour products and fatty foods. 12. Stop smoking. Drink juices instead of alcoholic beverages. 13. Don't drive many miles to save a few pennies at a certain store. 14. Use powdered milk instead of fresh milk. 15. Beat high coffee prices by drinking tea - and save about half. 16. Take your lunch to work. 17. Watch "open dating" on perishables and avoid buying outdated, spoiled food. 18. Become a "comparison shopper". Buy "specials" from several stores. 19. If you don't have one, invest in a new or good used freezer. 20. Read labels. Remember that ingredients are listed in order by weight. 21. Purchase only what you will use and eat everything you buy. 22. Visit your grocer as LEAST often as possible. 23. Trade money-saving recipes with friends, relatives, neighbors.
24. When grocery shopping, carry a list and stick to it! 25. Shop only on a FULL stomach. Never when hungry. 26. Never take children grocery shopping with you. 27. Clip, save and use "store coupons". Trade those you don't need. 28. Watch for grocery store "sale" ads and shop the store's specials. 29. Watch the cash register when checking out. Errors can be costly. 30. Buy your favorite foods in the largest size containers available. 31. Buy cheaper "store" or "house" brands. 32. Avoid the supermarket's "gourmet" section. 33. Stock up on genuine bargains. 34. Ignore advertisements for "new" or "improved" convenience products. 35. Avoid all convenience foods and items with long lists of additives. 36. Stock up on "in season" foods. 37. Pocket big savings by using more poultry in your menu. 38. Avoid non-nutritious foods, junk foods, sugary foods, soft drinks, etc. 39. Dine out less often. When you do, take home leftovers in a "doggie bag". 40. Grow some of your own herbs, fruits, vegetables. 41. Avoid convenience stores. They're more expensive. 42. Ask store personnel to steer you to the "best buys". 43. Buy your favorite foods by the case and ask for discounts. 44. Make your own soups, bakery goods, ice cream, yogurt, cole slaw, jams, etc. 45. Buy unsliced cheese and sandwich meats. Slice them yourself and save. 46. Look for damaged merchandise and ask for price reductions: dented cans, crushed cartons, outdated bakery goods, bruised produce, etc. 47. Buy ONLY food items from your grocery. Buy non-food items elsewhere. 48. Serve a balanced diet and you won't have to spend on vitamins. 49. Buy "in season" produce from local farmer's fields, gardens, orchards. 50. Compare prices of foods in various forms - canned, frozen, fresh and dried. Buy the least expensive. 51. Observe "unit pricing". Compare weights before
deciding. 52. Before checking out, weed out the items you don't need. 53. Limit snacks at home to popped corn, fruit & vegetables.