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Saving Money

General Household Expenses

1. Bed Bath and Beyond will honor competitor’s coupons, as well as their own expired coupons.
2. Checking. Select a free checking account or one that has no minimum-balance requirement. Consider an online bank.
3. Home Energy. Buy energy efficient appliances such as refrigerators, air conditioners and furnaces. Enroll in load-management and off-hour rate programs offered by your utility company. Get a home energy audit to find ways to save on heating and air conditioning. Some utility companies do the audit for free or for an affordable charge. Use compact fluorescent light bulbs wherever you can. They use less electricity and last up to 10 times longer than incandescent light bulbs. They use the same sockets and produce the same quality of light as incandescent lights.
4. Major appliances. Consult Consumer Reports magazine for information about specific brands and how to evaluate them, including energy use. Once you find a brand, call a few stores and ask for the prices of specific models. After each store offers you a quote, find out if it is the lowest price they can offer.
5. Local and long distance telephone service. Check with your phone company to see if it offers a flat rate or measured service plan. Get rid of optional services such as three-way and call waiting. Check your bill to see if you have any optional services that you really don't need or use. Check out www.lowermybills.com for long distance calling plan information. Or, buy a long-distance phone card with rates of 3.5 to 5 cents per minute.
6. Prescription drugs. Ask for a generic equivalent; it's much cheaper. Pharmacies' charges vary, so comparison shop regularly. Consider using a mail order pharmacy, which often sells for a lower price.

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The information presented is not to be a substitute for seeking advice specific to your situation from a tax, legal or financial professional. If tax, legal or financial advice is required, contact a tax specialist, attorney or financial advisor.

“Put More Money In Your Pocket” was edited by Constance Foley, M.A.Ed. Contributors include, Donna Shackel, ATP®, CRTP, Jackie Neubert, CDFA™ and Constance Foley, M.A.Ed.