Table of Contents
HOW
TO CUT YOUR HOUSEHOLD BUDGET
1.0 INTRODUCTION
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
2.0 SUPERMARKET
DISCOUNTS: STORE BRANDS, HOUSE AND IN-HOUSE BRANDS, PRIVATE LABELS AND
GENERICS
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
3.0 STOCK UP AND
STOCKPILE - BUY ON-SALE, AT DISCOUNTS WAREHOUSES AND SPECIALTY STORES
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 DISCOUNTS ON
ELECTRICITY AND UTILITIES
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 DRIVE YOUR
AUTOMOBILE ONE MORE YEAR
5.0.1
THERE IS A TRICK, HOWEVER, TO STAYING HAPPY WITH YOUR OLD CAR
6.0 DISCOUNT LONG
DISTANCE TELEPHONE EXPENSES
6.1 EXAMPLES OF LONG
TELEPHONE DISTANCE SAVINGS
6.2
ACCESS
CODES FOR ATT, MCI, SPRINT LONG DISTANCE CARRIERS
7.0 CREDIT CARD TIPS:
AVOID HIGH INTEREST RATES AND PENALTIES
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.
8.0 BUY USED AND
SECONDHAND PRODUCTS
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 BUY PRIVATE LABEL
CLOTHES, DRESSES, SUITS, SHIRTS, PANTS ETC.
9.0.1
STORES STAND BEHIND THEIR PRIVATE LABELS
9.0.2
DESIGNER BRAND NAME CLOTHING
10.0 CHRISTMAS
DISCOUNTS
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 GET A REFUND
FROM STORES AND MERCHANTS
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
12.0 COMPANY BENEFITS
13.0 TRAVEL EXPENSES
- AIRLINE TICKETS AND HOTELS
13.1 AIRLINE
TICKETS: TIPS ON HOW TO GET A DISCOUNT
13.2
HOTELS:
TIPS ON HOW TO GET A HOTEL DISCOUNT
14.0 DISCOUNTS ON
HOMEOWNERS AND AUTOMOBILE INSURANCE
14.1 COMPARISON
SHOP FOR INSURANCE HOMEOWNERS AND AUTOMOBILE INSURANCE
15.0 FREE AND LOW
COST GOVERNMENT SERVICES
15.0.1
COUNTY HEALTH DEPARTMENT SERVICE
15.0.2
POLICE AND FIRE DEPARTMENT ASSISTANCE
15.0.3
YOUR LOCAL LIBRARY
16.0 SAVING TIME AND
MONEY
17.0 END NOTES
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