Table of Contents

  HOW TO CUT YOUR HOUSEHOLD BUDGET

  1.1 A SIMPLE, EASY STRATEGY TO CUT YOUR HOUSEHOLD BUDGET
  1.2 ANNUAL DISCOUNTED EXPENSES
  1.2.1 SAVING $5,000 IS LIKE GETTING A RAISE OF $10,000 AT WORK

  2.1 HOW TO TRY STORE BRANDS, PRIVATE LABEL PRODUCTS AND GENERICS AT THE SUPERMARKET
  2.2 TAKE A NEW LOOK AT STORE BRANDS, PRIVATE LABEL PRODUCTS AND GENERICS AT THE SUPERMARKET
  2.3 DISADVANTAGES OF STORE BRANDS, PRIVATE LABEL PRODUCTS, GENERICS AT THE SUPERMARKET

  TIPS
  3.1 YOU WILL NEED A MASTER LIST OF NON-PERISHABLE PRODUCTS
  3.1.1 EXAMPLES OF NON-PERISHABLES FOR STOCK PILING

  4.0.1 FREE AND LOW COST SERVICES FROM YOUR POWER COMPANY
  4.1 ELECTRIC UTILITY AND POWER COMPANY TIME OF USE RATE - TOU
  4.2 CUT THE COST OF HEATING AND AIR CONDITIONING
  4.2.1 RAISE THE TEMPERATURE OF YOUR AIR CONDITIONER TO 78
  4.2.2 LOWER THE SETTING ON YOUR HOT WATER HEATER
  4.2.3 TURN THE HEAT DOWN AN HOUR BEFORE YOU GO TO BED OR WHEN YOU GO OUT
  4.2.4 WINDOWS ROB YOU OF HEAT
  4.3 LAUNDRY UTILITY AND ENERGY SAVING TIPS
  4.4 REGULAR MAINTENANCE FOR APPLIANCES
  4.5 ENERGY EFFICIENT APPLIANCES
  4.6 GOVERNMENT ENERGY RESOURCES

  5.0.1 THERE IS A TRICK, HOWEVER, TO STAYING HAPPY WITH YOUR OLD CAR

  6.1 EXAMPLES OF LONG TELEPHONE DISTANCE SAVINGS
  6.2 ACCESS CODES FOR ATT, MCI, SPRINT LONG DISTANCE CARRIERS

  7.1 SWITCH TO ANOTHER CREDIT CARD
  7.1.1 HAVE TWO CREDIT CARDS THAT YOU USE DIFFERENTLY
  7.2 BASIC CREDIT CARD AND LOAN MANAGEMENT
  7.2.1 KNOW HOW MUCH YOU ARE PAYING FOR EACH CARD YOU CARRY
  7.2.2 ALWAYS PAY MORE THAN THE MINIMUM EACH MONTH
  7.2.3 STORE CHARGE CARDS MAY HAVE THE HIGHEST RATE OF INTEREST
  7.2.4 CONSIDER GETTING A REGULAR LOAN FOR AN APPLIANCE OR BIG TICKET ITEM
  7.3 A BASIC RULE OF FINANCE.

  8.1 BUY USED AND SECONDHAND CARS
  8.2 BUY USED AND SECONDHAND CLOTHES, SUITS, DRESSES, PANTS ETC.
  8.3 BUY USED AND SECONDHAND SPORTS EQUIPMENT
  8.4 BUY USED AND SECONDHAND CHILDREN'S CLOTHING, TOYS, STROLLERS, SHOES ETC.
  8.5 BUY REFURBISHED ELECTRONICS
  8.6 BUY FLOOR MODELS
  8.7 BUY USED AND SECONDHAND CDS
  8.8 BUY USED AND SECONDHAND PHOTOGRAPHY LENSES
  8.9 BUY USED AND SECONDHAND BOOKS
  8.10 BUY USED AND SECONDHAND COMPUTERS
  8.11 BUY VINTAGE PERIOD PRODUCTS FROM A BY-GONE-ERA
  8.12 BUY USED AND SECONDHAND FURNITURE

  9.0.1 STORES STAND BEHIND THEIR PRIVATE LABELS
  9.0.2 DESIGNER BRAND NAME CLOTHING

  10.0.1 START MAKING YOUR GIFT LIST NOW
  10.1 COST CUTTING TIPS FOR CHRISTMAS SHOPPING
  10.1.1 AVOID USING CREDIT CARDS, UNLESS IT IS FOR MAIL ORDER
  10.1.2 GIVE PRACTICAL GIFTS
  10.1.3 FOR FRIENDS AND RELATIVES FAR AWAY, CONSIDER MAIL ORDER
  10.1.4 MORE COST CUTTING CHRISTMAS SHOPPING TIPS
  10.1.5 STOCK UP ON CHRISTMAS WRAPPING PAPER, RIBBON, AND CARDS
  10.1.6 USE CREATIVE WRAPPING PAPER
  10.1.7 NEVER GIVE MORE THAN YOU CAN AFFORD
  10.2 DON'T GIVE GIFT CERTIFICATES!

  11.0.1 HOW TO ASK FOR A REFUND
  11.1 A SIMPLE PLAN FOR RETURNING MERCHANDISE AND GETTING REFUNDS
  11.2 MORE REFUND AND RETURNING TIPS

  13.1 AIRLINE TICKETS: TIPS ON HOW TO GET A DISCOUNT
  13.2 HOTELS: TIPS ON HOW TO GET A HOTEL DISCOUNT

  14.1 COMPARISON SHOP FOR INSURANCE HOMEOWNERS AND AUTOMOBILE INSURANCE

  15.0.1 COUNTY HEALTH DEPARTMENT SERVICE
  15.0.2 POLICE AND FIRE DEPARTMENT ASSISTANCE
  15.0.3 YOUR LOCAL LIBRARY

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