Day 19: Don’t Buy Stuff You Can’t Afford

August 24th, 2007

Potential Savings: Immeasurable!

Freebie Friday: August 24, 2007

August 24th, 2007

We are experiencing some technical difficulties on our site. The forum is down, but we are hoping to resolve the problems soon. We had no power all evening yesterday so I am running a little behind on emails and such. Thank you so much for your patience!

Health & Beauty:
Get a free sample of Nature’s Made Fish Oil.
Try a free sample of Dove Hair Care.
Sign up for a free pregnancy planner.
Get a free “Earn Your Stripes” Bracelet. Type in code B3 Your B3st
Try on a pair of Nine West Jeans at select Macy’s Department Store, receive a free corduroy cap.

Food:
Sam’s Club Members can try a sample of Lipton to Go Tea.
Try a free sample of Curves Cereal.
Get a free Kashi Snack.
Register to receive a free Chickfila Sandwich & Medium Soda.
Today is free Fry-Day at Hardees. No purchase necessary.
Call for a free sample of Baronet One Cup Coffee Pods.
Download a coupon for buy one get one free on Vanilla Coke.

Home & Garden:
Try a free sample of Purex Laundry Detergent.
Sign up for a free sample of Post-Its Education Notes

Entertainment:

Get tickets to meet Barbie.
Claim a complimentary subscription to Road & Track Magazine (say no to the offers!)
Claim a complimentary subscription to Horse Illustrated Magazine (say no to the offers!)
Join the White Soxs Kids Club and get two free White Sox tickets (sign up for the free membership).
Get a free subscription to Dime Magazine.

Pet Care:

Try a free sample of Nature’s Select Dog Food.

Other:

Teachers can register for a free Hand Pointer.

Note:
I found this article on utilizing the Google Toolbar to automatically fill in freebie forms for you. I haven’t tried it- if anyone has, let me know what you think! Anything to make this process quicker sounds good to me!

Day 18: Get Yourself Organized

August 23rd, 2007

Today I want to talk a little bit about organization and why it will save you money. You will find that many blogs and sites that focus on money-saving ideas also share ideas on organizing. It seems that saving money and staying organized go hand in hand.

Being organized does not come naturally to me and it is something that I am constantly working at to achieve. I know for some this comes easily, but I am not one of those people. If you came to my house right now, you might be surprised at the disorganization and projects that are looming around here. It is a constant battle for me especially now that I am a mom.

I desire to be organized though for many reasons, including financial ones, and that is why I continually try to work at this.

Reasons to Get Organized:

– If you are organized, you will have a good idea of the inventory that is already in your home. You will know exactly where everything is and you will know how many of that item you already have. Instead of running out to buy toothpaste, for example, you will know where you keep the extra toothpaste and will be able to use this instead. This will save you from buying repeat items and it will save you from spending extra money that you don’t have.

– If you are organized, you make lists for yourself. A good grocery list, for example, will save you money because you will know exactly what you need and you will buy only that. People who come to the grocery store with no list end up making multiple trips to the store (wasting gas money) and buy items that they don’t need.

– If you are organized, you save money on food. Menu planning and proper planning of meals (the night before) helps to prevent visits to those fast food restaurants. Plan meals that are easy to make and try to have back-up plans for nights where you don’t feel like cooking. It might be something as simple as a frozen pizza, but having something to eat at home will save you from wasting valuable money at McDonald’s.

– If you are organized, you keep a calendar of events. Why does a calendar save you money? Well, you know when your appointments are and you don’t miss them. Missing appointments can cost you money for not showing up to your doctor or dentist office. They also offer valuable reminders for when bills are due so you don’t have to pay late fees. You also are a star because you remember anniversaries, birthdays, and are a person that people can rely on.

– If you are organized, the things you have last longer. You make the time to care for the items you have in your house and you remember to schedule maintenance for your automobiles and the appliances/services needed in your home. This will save you money because you won’t need to replace things in your house as frequently and things will generally run smoother for you.

There are plenty more reasons to be organized, but I wanted to focus mainly on the financial benefits since we are talking about ways to save this month.

Here are some of the resources and books for getting yourself organized

Sites to Organize Thyself:

MomAdvice Organizing Section
Organizing Topics on Our Blog
FlyLady
Organized Home
Organized Christmas
Cozi
Real Simple
Martha Stewart
I’m An Organizing Junkie
The Lazy Organizer
Organising Queen
Neat & Simple Living

Books to Organize Thyself:

Sink Reflections by Marla Cilley
Sidetracked Home Executives by Pam Young
Homekeeping Handbook by Martha Stewart
It’s All Too Much by Peter Walsh
Scaling Down by Judi Culbertson, Marj Decker, & George Booth

Potential Savings: $30 or more

Sound Off: What is one way you stay organized?

WSBT-TV: Streamlining Your Mornings

August 22nd, 2007

Here is this week’s segment on how to streamline your morning routine with your children.

Sound Off: What are your tips for creating a smooth morning with your kids?

Day 17: Find an Inexpensive Hobby

August 22nd, 2007

In my basement are bins and bins of beautiful art supplies and oodles of crafty fun. I could spend years making things out of the items that I have already bought…and yet when I go to the craft store, I still feel that familiar tug that I really need more. I love to explore different hobbies and I love to craft. The fact that I am no good at crafting doesn’t seem to stop me and maybe you are in the same boat? Have you ever really thought about the amount of money you are spending on your hobbies? Have you ever thought about how most of the really popular hobbies cost lots of money to accomplish? Do you have oodles of craft supplies and still have an urge to buy more?

Hobbies are great for a number of reasons and I think they are important to be shared in this series. For one, if you have a hobby it can be a wonderful diversion from shopping and spending money. Hobbies can cost money, but you can choose to embrace hobbies and use your talents creating things that don’t cost much. Although some people might consider shopping a hobby, it shouldn’t be and finding things that fill your life in a positive way can have a positive impact on your wallet.

Not only do hobbies keep you away from shopping, your hobbies can also be turned into profits for your family. If you become good at one of your hobbies, you could potentially earn money with the talents that you have. For example, I love to create hair accessories for my daughter and my friend’s love the accessories that I have made for her. I wasn’t really intending to go crazy selling them, but my interest in making things for her created a small amount of revenue for me.

I can also use my hobbies to help us save our family money. Instead of buying a wreath for our front door, for example, I can make my own out of things in our home or by buying a small amount of greenery from a craft store. Learning to make things that you would buy can help your finances a lot!

Hobbies also have been proven to help people medically. People who are chronically stressed have poor health, while regular relaxation can promote good health. If I relax and really enjoy something in life, I can prevent things like high blood pressure, digestion problems, ulcers, heart disease, and insomnia. Having a relaxed attitude and enjoying the little things in life lead to better health and fewer doctor visits. Who could argue with that?

Hobbies don’t have to be expensive and many hobbies, in fact, don’t even cost a dime. I found a great book on exploring hobbies called (no less!), “Get a Hobby.” In it are tons of great ideas for hobbies that cost little to nothing and can keep you busy for months on end.

Here are some hobbies that you can pursue that shouldn’t cost you a lot of money and will help to keep you out of those craft stores:

Genealogy– Much of your research can come from things that you already have or from items in your relative’s possessions. Try to gather as much information as you can from your family members (names, birthdates, marriages, deaths, significant life events, etc…) and explore this information first. Next, look through old cookbooks, photo albums, newspaper clippings, resumes, scrapbooks, and yearbooks for more family information. You can then begin looking to websites like Genealogy.com or the Family History Library of the Church of Jesus Christ of Latter-Day Saints. Utilize this information to make a family tree.

Tina Barseghian, the author of “Get a Hobby” also suggests creating a living history interview with people in your family. Record them on camera or with a tape recorder and ask them questions about the family and about themselves. (Note: I am going to be exploring this more through another avenue of recording your life history and I can’t wait to share it with you all!)

Journaling & Blogging– To be honest, I have never really thought of my blog as a hobby, but I guess this would be one of the best hobbies I have ever taken on! Blogging and journaling are wonderful ways to preserve memories, to share your life story, or to talk about things you are passionate about.

After I went to a viewing of “The Secret” I began keeping a gratitude journal. For me, this has helped to remind me of all that I have and I also try to do this when I feel the impulse to shop. This has been very therapeutic for me and I feel like it has had a positive affect on my attitude too.

I try to keep all different types of journals that I look forward to sharing with my children. We have a journal of all the funny things that they have said, a Christmas journal, my gratitude journal, and then I do my blogging about things that we do around the house.

You can find beautiful journals at the dollar stores and for one dollar you can begin focusing on all of the wonderful things you have in life.

You can start a free blog through Blogger, My Space, or LiveJournal (just to name a few!)

These are just two examples of great hobbies that you could start today. There are tons others like gardening, cooking, sewing needlework, rubber stamping, decoupaging, or calligraphy.

If you need crafty inspiration, visit the Martha Stewart site and behold her crafting glory! I love to just hunt through the archives and see cool ideas that I can do in my house, that don’t require a lot of money.

I also spend lots of time at our local library hunting through books on crafts that I would like to explore. Many times just reading about the crafts gives me a feel for whether or not I would like to try something, without making the time or money investment into the craft itself.

If you want to learn how to tackle new hobbies, check the big hardware stores (Home Depot or Lowes) for free classes that they offer. Many craft stores also offer free or very inexpensive classes, where you can try a hobby out.

Just remember when going into a hobby, that you really want a hobby that will not require a huge financial investment. If it will require an investment, tell family and friends what items you will need to accomplish the hobby or ask for a gift card to the store to buy the items. One yea
r, I used my gift card to take a cake decorating course at our craft store. The time invested has helped me greatly and saved us lots of money on birthday cakes.

Potential Monthly Savings: $20 or more

Sound Off: What are your favorite hobbies? How do you save money when it comes to buying the supplies needed to do these?

Day 16: Bulk It Up

August 21st, 2007

For our Month of Savings, I want to share with you the benefits of using a wholesale club membership. Whether you are a family of two or a family of seven, there are many benefits to being part of a wholesale club.

First, if you haven’t read my small book on wholesale club shopping, I would highly recommend this article. It does a good price comparison of what the clubs offer and the cost for your membership. I did this a couple of years ago and it is still one of our most popular articles.

In our area, the only wholesale club that we have is Sam’s Club. When we lived in other states, we have had two or more choices, but this is the only choice now for us. Therefore, I can only really provide experience with this wholesale club, but all of them are excellent and have their own great benefits.

When I first began using my wholesale club membership, I just bought in bulk. I really didn’t think about prices and I just assumed that buying bigger meant that I was getting a better deal. I know I have come a long way since that time, but I am still learning every day.

Here are some of my tips for good deals in the wholesale clubs:

1. Make sure to carry a price book with you and take the time to really crunch the numbers before you make your purchases. We have a free price book sheet that you can print off on our website!

On my first visit with my price book, I simply wrote down the quantities and prices of the items that I buy most often. I brought all of my research home with me and then plugged it into my calculator. I was able to really sit down and see who had the best deals.

If you have choices for wholesale clubs, see if you can go to all of them (with a friend who is a member or check into one day passes at the stores) and compare prices between the items that you buy most frequently. Some of these stores have their pricing available online too so check out their websites for additional pricing information. Choose the club that is going to give you the most bang for your buck.

2. Don’t overlook the extra perks of your wholesale club membership. These clubs offer great savings on optical wear, prescription drugs, photo services and other insurance benefits. Check each website to see what benefits you can take advantage of and don’t forget to flash that card- you might be surprised where you can get some discounts (like here or here).

3. If you don’t think you will be using your membership that often, try sharing the membership fee with a good friend or family member. Schedule your shopping day together and split the cost of the membership.

4. If you have a Sam’s Club, look into their Click N Pull shopping option. This is the best thing in the world for impulse shoppers and for moms with screaming children who hate shopping (like myself!) I use this feature almost every single time we go because it saves me lots of time and money. You can read my personal and in-depth review here on how this feature works.

5. Gas prices can be much lower at the wholesale clubs than your gas stations. Make sure to understand what types of payments are required before you go to the pump though. Costco, for example, will not accept cash at their pump.

I also received a great reader tip today that just so happened to fit our theme today!

Amy,

Our family loves shopping at Costco and we wind up there at least once a week to buy salad, milk, and fruit.
I send my digital pictures there to be printed at .19 cents per picture in only an hour. You can add borders and special effects at no extra cost!
We also chose to buy their Executive Membership for $100 per year. This is the way to go if you spend a lot of $$ there each year. We get our clothes for the kids, gifts for family, and large food buying done there so it works well for us. If you have the Executive membership you get a cash back reward each year that you can use to pay for the membership. We got a check back for $89 so we only paid $11 for our normally $100 membership!!!!
Thanks again for all of your ideas!
Maria

Consumer Reports also offers these great tips for smart wholesale club shopping:

  • Make a list and stick to it.
  • Know how to identify super-bargains. At Costco, “.97” at the end of a price generally indicates discontinued or slow-moving products. At Sam’s, a “C” at the end of the item number denotes a canceled item.
  • Compare the club’s unit prices to those at your supermarket for heavily discounted staples. Supermarkets might be less expensive.
  • For big-ticket items, compare the club price to that of other retailers by going to sites such as PriceGrabber.com or BizRate.
  • Consider splitting large buys with friends. Otherwise, don’t buy in bulk perishables or medications with a short shelf life (check the expiration dates). You’ll end up tossing a lot away.
  • Try unfamiliar products judiciously. You don’t want to get stuck with, say, a gallon of Brand X Vidalia onion salad dressing.
  • Pay with cash; it’s a reality check on how much you’re spending.
  • Shop on weekdays, preferably when the store opens or in midafternoon. That’s when crowds tend to be lighter.
  • Not sure about joining? In many states you can request a day pass at Sam’s Club and pay a surcharge, typically 10 percent over what members pay. Costco used to have a similar program, but discontinued it. Now, only members can purchase there.

Finally, I have been able to pay for my wholesale club membership by just the savings I have received from my baking supplies. You can read all about my adventures in making bread and my discoveries on their cheap baking supplies.

Potential Monthly Savings: $30 or more

Sound Off: Do you have a wholesale club membership? What do you ALWAYS try to buy when you are at your wholesale club?

Parenting Magazine Editors Share the Baby Must-Haves

August 21st, 2007

The editors at Parenting Magazine have recently come out with a new book called, “Baby Must-Haves: The Essential Guide To Everything From Cribs to Bibs” and wanted to know if I would be interested in reviewing their new book.

This book would be a great guide for a new mom or for an expecting mother because it covers everything your baby would/could need and what items are just a plain waste of money. Included is information on the best stroller, what every mom should keep in her medicine cabinet, how to outfit your nursery, and the essential safety gear that moms will need. They also have mom tips, from the real-life mom experts, on things that they have done that have made their lives easier.

I got the opportunity to interview the editors about their new book and here are some of my questions that I thought our readers might find helpful.

When it comes time to outfit the nursery, what is the one item that you feel it is a good idea to splurge on? Do you have any recommendations for where to purchase this item or what brands you feel confident in going with?

A Baby’s crib should be a safe haven—a place where she can sleep or play comfortably, without any dangers of getting hurt. This is one necessity that moms shouldn’t feel guilty about splurging on, as the child will use it every day (several times a day!) for the first couple of years (it’s not time for a toddler bed until your child is 35” tall, or the top of the side rail is below mid-chest level).

Many of our Mom-Tested retailers, such as Babies ‘R’ Us (babiesrus.com) and Buy Buy Baby (buybuybaby.com), feature countless styles of cribs that meet moms’ highest standards – safety, solid construction, durability and sleek design.

One brand that gets high marks for quality is Pottery Barn Kids (potterybarnkids.com). The “Kendall Crib” ($599) is available in a wide range of baby-safe finishes and combines style, functionality and the highest safety standards. Built of solid pine, the crib can be converted into a toddler bed. This allows mom to truly create a room that grows with the child, and justifies the splurge.

One mom in our survey raved about the durability of her Babee Tenda Crib (babeetenda.com). A mother of five, she attests the crib is just as sturdy for her youngest child as it was for her first. Another tip? Always splurge for a new mattress.

When moms find the glider of their dreams but debate over splurging on the matching ottoman, it may be worth it: Elevating the legs can help take pressure off the back, especially while nursing. And besides, it just feels good!

Most ottomans sold as accessories to specific gliders also glide, making it easy to keep that gentle movement going. Expect to pay around $200 for an ottoman.

What are some items that parents tend to buy that they really don’t need? Are there any good substitutions for these items?

– Organic bedding and clothing have gotten a lot of press lately. They may be better for the environment, but you don’t need them—some organic fabrics, like wool, can actually irritate delicate skin. Just stick with 100 percent cotton that’s soft and lightweight.

– You’ll spend a small fortune on bottle sterilizer contraptions that steam-clean bottles, nipples, pacifiers and such, but tossing those things into the dishwasher and setting it to “heat dry” will kill germs just as effectively and so will boiling them for a few minutes on the stove. Save the bucks for a date night instead!

– Several companies are turning out infant tubs that come with spray attachments—but they are pricey and tend not to work very well. A plastic pitcher or cup is just fine for rinsing.

You feature tips from real moms in your book. What is one of the best “Mom Tips” that you have received?

While there were a number of really useful “Mom Tips” featured in the book, three of our favorites are:

• Buy a car seat for each car: Once it’s positioned correctly, you’ll never want to take it out again. Spending the extra money will save lots of time and annoyance for everyone. (Pg 151)

• In the store, see if you can lower the crib rail with one hand (which you’ll need to do if you’re holding your baby). Also, make sure it raises and lowers silently so you’ll be able to move it without waking a sleeping baby! (Pg 14)

• When making up the crib, layer on two crib sheets, with a plastic mattress cover/liner in between. That way, if your baby spits up or has a leaky diaper in the night, you can just strip off the top layer without having to change the whole bed.

When it comes time to give baby gifts to your friends and family, what are some frugal baby gifts that are always a hit?

-Brilliant Basics™ Snap-Lock® Beads by Fisher-Price are only approximately $5. Snap them together and pull them apart, over and over again. Babies love repetitive play, and these brightly-colored beads offer stimulating fun while strengthening developing skills. There’s even a bright, shiny surprise with rattling beads inside!

-A number of moms in our survey swore that teddy bears that make womb noises (like a heartbeat) soothed even the fussiest newborns. Check out the super soft and cuddly Womb Sounds Bear, approximately $20, available at Target.

– Ocean Wonders Aquarium by Fisher-Price ($30). For many moms, this is just dreamy! The crib toy resembles a small aquarium, in which sea creatures swim calmly in sync with mesmerizing aquatic sounds and music.

– Changing a crib sheet can be a challenge: Y
ou practically have to lift the entire mattress out of the bed to get the sheet on. This gift could come to the rescue: The Quick Zip Crib Sheet from cloudsandstars.com ($33) a fitted sheet with a rectangular panel that zips on and off for laundering

With September being Baby Safety Month, what is one of the most overlooked areas in a home? Can you offer some inexpensive solutions for keeping your little ones safe?

The best way to approach childproofing is both room-by-room, and age-by-age. Ensure that you cover every room in the home by getting down at kid’s-eye level, going through your entire house looking for potential hazards. Moms should repeat this process as the child grows: What’s dangerous for a crawler will be different than what’s dangerous for a walker.
Some Mom-Tested products to try:

• KidCo Adhesive Mount Magnet Lock Starter Set ($16; kidco.com). A magnetic key gives you—but not your child—easy access to cabinets and drawers.

• First Alert’s Tundra Fire Suppressant ($20; firstalert.com). This compact fire extinguisher will put out small household fires, including cooking oil flare-ups.

• Summer Infant’s Turtle Spout Protector ($5; summerinfant.com). Moms and babies alike love this adorable way to protect from bumps and scalds during bath time.

What are the top three items that every mom should have in her medicine cabinet?

1) Thermometer

It is important to have a thermometer that is both accurate and easy to use; especially in the first 3 months when even a slight fever could be serious. A rectal thermometer is the most reliable. As neither mom nor infant will be pleased with the task of sticking one in baby’s bottom, opt for a digital one that registers quickly and is fail safe.
Try the Timex Acrobat Bendable Thermometer with Indiglo rectal thermometer for $16.

2) Pain and fever relievers

Simply; your choices are acetaminophen (Tylenol) and ibuprofen (Motrin or Advil). Parenting suggests that you keep both as each one has its pros and cons:

Acetaminophen is gentler on the stomach and can be given to newborns, but only lasts about 4 hours.

Ibuprofen lasts about 6 to 8 hours and may be a more effective fever-reducer, but is only approved for babies 6 months and older.

It is fine to use generic brands of both, as long as they are labeled for infants or children. Of course, check with your child’s pediatrician before giving her any medication. A great mom tip? Check out the Web sites for particular drugstore products. Many offer printable coupons, often for at least a dollar.

3) Rehydrating solution

These are drinks that can help to replace fluids in a child who has been vomiting or had severe diarrhea. The most popular, Pedialyte, comes in liters, single serving sizes and freezer pops.

Sound Off: What do you think is the most useless baby item? What are you glad you splurged on?

WSBT-TV: Organizing Your Kids’ School Papers

August 20th, 2007

This is the segment from last week on how to organize your children’s school papers.

Hope you guys enjoy it!

Product Review: Silly Billyz Bibs

August 20th, 2007

The Live Love Dream company sent me one of their Silly Billyz Bibs to try for my daughter. I explained that our Emily was a very messy eater and that I would welcome any bib that could keep her well covered and mess free.

In response, the company sent us their Silly Billyz Long Sleeved Bib in a pretty pink. I knew my daughter could put this bib through some rigorous testing and she did not fail me.

When I got the product I was impressed with how lightweight it was. My first concern was that she would be hot, but the sleeves and neck are both made of a very light nylon. The front of the bib is made of a fleece material that does not pill or stain. The bib attaches with Velcro in the back, but is open to keep your baby nice and cool.

Emily ate pizza in it, smashed up some peas into it, and smeared her peanut butter and jelly all over this bib. With a quick swipe of my washcloth, I was able to take all of the food off of it, with no staining left on the fabric. The bib has also survived several rounds through our washer and is showing no signs of wear or tear.

I would highly recommend this product to any mom who is looking for a bib that will cover their entire baby and especially for any mom suffering through those beginning stages of self-feeding. These bibs are great when you are out and about because they will tuck neatly inside of your diaper bag. They are also great when you have baby all dressed up for church or pictures and want to keep them looking clean and fresh.

The bib is priced at $12 and can be ordered through their website or at one of their listed boutiques. They come in large or small sizes and can be ordered in a variety of colors.

We thank the Live Love Dream company for giving us the opportunity to review their product!

Day 15: Keep Your Bills in Check

August 20th, 2007

We are halfway through our Month of Savings and I am learning so much! I am loving the comments to these entries!

One of the main reasons that I am able to continue staying home with my kids is because I am fairly strict when it comes to money management. I try to keep track of everything that is going in and coming out by utilizing the Quicken Software and I also hand write items that I want to keep track of on those important bills (credit card, student loans, auto loan payments).

As I had discussed before, our cash system has also enabled us to stay on track financially. I try to use cash whenever I can, not only because I feel the impact of losing cash more, but also because I want our children to see us using our cash and not the debit card all of time. It really benefits the entire family if I can use cash versus the debit card so that is what I try to use, in most situations.

Another thing that I began doing several years ago is to compare and check rates on all of my bills that I can (at least) yearly. Interest rates are always changing and companies are continually offering new and better plans out there, so I make a date in my calendar to check our bills each year. You can set this up any day that you like, but I try to do this on January 1st since we are already starting a new year and a fresh start with our financial goals.

I have always used Lower My Bills to compare rates (Note: We are not affiliated with this company, but I have great success with them!) on all of our bills. They offer rate comparisons on mortgages, cell phone plans, long distance plans, internet, credit cards and insurance quotes.

You can type in your information and it will spit out quotes and comparisons on different plans that they offer in your area. Another bonus that I have found is that they also offer customer reviews of different companies. It is great to read these before signing on with any company since customer experience is usually a good indicator of the type of service that they offer.

We accumulated some debt while my husband was unemployed and had to put our move on our credit card. I believe that it cost about $8,000 to move to this area and my husband’s employer, at that time, would only help us with a few hundred dollars of this bill.

When the first bill came, I realized how foolish it was to have put it on there, but at the time we didn’t feel we had a lot of choices in the matter. I began to search on Lower My Bills to see if I could find a lower interest rate. While I don’t encourage card-hopping, I did think it was important to see if the rates out there were lower so that we could transfer the balance and pay it back quicker.

We found a credit card offer with a fixed balance transfer rate of 3.99%. Of course, adding any new debt to the card did have a higher percentage rate, but we had no intentions of adding to that debt so we transferred all of the balances of our cards (one with student loans and the other with our moving expenses) over to one card. We have not added to our debt and are down to less than $2K left to go.

It is great if you can check your rates yearly or when your contracts expire with companies. Don’t be afraid to ask the companies you are currently with, when your contract is expiring, if you can be put on the new plans that they offer to their customers. Many times the company will want to keep your business and will be willing to work with you!

Potential Monthly Savings: $50 or more

Sound Off: What are some ways that you keep your bills in check? Do you use software or just the good old pen and paper?