Share It and Save!

“I planted a little window garden to have fresh lettuce greens for the winter and save a little money. ”

- lwhitaker
“i save money on gas when i go to my local credit union and use shared branching one many things i love about my credit union...”

- wmaloney
“Put spare change in a jar every night. At the end of the year, reward yourself with a nice holiday gift using the spare change.”

- mstavros
“I am saving up my money by giving my sixteen year old daughter ten dollars a week to save for me. I really trust her .”

- szarate
“Plan to do your errands while in town so that you don't have to do multiple trips, hence saving gas. ”

- gmiller
“I save all the bottles and cans and return them for refund to pay my gas bill for the stove.”

- bedmunds
“Wait a week before buying anything that is not a necessity.”

- bfrost
“any paper money I find that has gone threw the wash I put in an envelope and save it for christmas shopping. ”

- dlee
“I asked for the "poor person discount" at my local automotive parts store and saved 80 dollars on my second wheelbearing! :)”

- mcyr
“My daughter and I recycle our cans and bottles. The money goes into a seperate account for our rainy day fund.”

- ssingleton
“Divide yearly bills by 12. Deposit that amt in seperate acct when I get paid to be ready for bills as they come due.”

- blamoreau
“I placed my water bed over the hot air vent in my bedroom and turned off the bed heater, thereby saving tons on my CMP bill. ”

- ljenkins
“I have three kids and in the laundry room before wash I find money in pocket and give it my kids to have ”

- btibbetts
“Put some money in a separate account each paycheck that you cant get to with a debit card and watch it grow. Rainy Day Fund”

- bhoule
“I follow my husband around and turn off the lights he leaves on!!”

- jmovsesian
“In the Summer I feed my rabbit with fresh grass outside. He loves it!!”

- llavoie
“I pick up cans and bottles, and use the money to put gas in my vehicle.”

- scurit
“I installed a hot water on demand so in the summer we turn the furnace off.”

- rlavoie
“I bought a new shower head that uses less water but still has great pressure.”

- alavoie
“I put an electrical strip with an on/off switch for my sons video units and TV and turn it off when he's not using them.”

- klavoie
“I save all my pennies for my children's piggy banks. They are not permitted to use them until the banks are full.”

- mpratt
“I save every $5 bill I get back in change and once a month deposit them in my savings account at my credit union.”

- smathews
“Whatever money I have left in my wallet when I get my next check I tuck away for future use.”

- jreny
“Don't spend your money! Save it!!”

- msayers
“I save $480 a year with a timer on my electric hot water heater. It was well worth the $40.00 investment.”

- mhamlin
“Supermarket bakeries set aside day-old items that are still good, especially if warmed.”

- emccartan
“Friends carpooling to school. ”

- amichaud
“Always check for coupons when you shop online. Some sites offer free shipping or 15% off your entire order!”

- jcanarr
“I toss the partially used pool chlorine tablets into the bottom of my garbage can in the garage. Smells clean for a whole year!”

- mparent
“Stock up on bread products at a bakery thrift store. Most can be frozen.”

- cburns
“ I put a jar in our kitchen for change and called it my college fund, and between my family and myself I paid fory college books”

- mpike
“I save my bottle return money for my grandchildren to purchase college books for them.”

- lrollins
“When my car was payed off I made the payment to myself every month. 5 years later I had $9000 for a down payment on a new car!”

- wjohnson
“If you are on any prescriptions have the doctor write the script for 90 days instead of 30 you can save money that way”

- nmarquis
“Wash clothes in cold water. Especially good for a family.”

- apomerleau
“We get great discounts at restaurants that give seniors and veterans discounts. 10% to 20% is a lot in a years time. Just ask!”

- cpreble
“Place coupon savings in a special savings account for use at the end of the year.”

- apeverada
“I alway try to keep things turned off except when I'm am using them.”

- ncartier
“I cash in my empty bottles and save the cash for my daughter to use as toll money to travel back and forth from college.”

- bcartier
“I place my lose change in a jar. Jan 1 each year I give the jar to my 2 girls, 7 and 11 to count and deposit in their Centsables”

- srobillard
“Register online for restaurant coupons, sales notifications, and birthday clubs. The savings add up.”

- vperkins
“Put 50% of your money in savings and 50% aside for spending. Only use 5% of savings for spending, if you have to dip into it.”

- speters
“In the flush tank bend down the rod that holds the ball just a little to save hundreds a year in water usage”

- jtownsend
“use your crockpot to make soups, chillis and stews, freeze in individual containers and heat in the microwave at work for lunch”

- mholmes
“I've changed to low cost energy saving lightbulbs in all twelve rooms of my house. ”

- fharrison
“TURNING FURNACE OFF DURING SUMMER HOURS, ESPECIALLY IF IT'S FOR WATER HEATER PLACE A TIMER TO TURN ON AND OFF ”

- scyr
“It's not enough to shop for groceries with coupons...use them with items that are on sale. I have actually got FREE groceries t”

- jjacobs
“Kill 2 birds with one stone, when out walking for excersise bring a trash bag, pick up bottles and cans.. adds up fast. ”

- sreichert
“in renovations i put in a timer for hot water and it goes on and off twice a day!!”

- rprestridge
“save all my change for Christmas so when its time to buys gifts I have plenty to spend.. ”

- kbourgoin
“Run electric hot water heater in summer, shut off during heating season when the furnace runs anyway.”

- dharrison
“Use an extra paycheck twice a year to add to your mortgage.”

- jhoward
“Don't spend money you don't have, wait until you have money. That will avoid getting in debt”

- anadeau
“Stand your salt and pepper mills in custard bowls to catch and use the excess that often falls out”

- sgervais
“I use my pedal bike instead of my car to get from my apartment to campus. Saves alot on gas and I get my exercise!!!!”

- mlavoie
“Get rid of cable and sattelite tv and save money.”

- smcallian
“Travel to and from work in one vehicle. Park one at the office for daily use. JGallant”

- jgallant
“Refinancing your mortgage for a lower rate”

- lnadeau
“I use my CU credit card exclusively, to earn Bonus Points to redeem free merchandise.”

- gstrang
“Plan your spending with a savings plan for yourself. Work your plan and your savings will grow.”

- bmorgan
“Buy 1 airline ticket at a time online. I saved over $100 per ticket and sat together. A family of 4 would save close to $500.”

- rblouin
“Always Keep a Note pad on you so you know where all your money is going. wheather it is gas or Bills. ”

- shewett
“Don't buy college textbooks from the school book store. Buy them on line and save.”

- hgove
“My husband and I are saving for a trip to Italy....we put AT LEAST $1.00 a day into our "Italy Jar".......we are half way there!”

- dunni
“Start saving dimes. You can not believe how fast they add up.”

- idoughty
“Consolidate your credit cards debt into one lower interest loan at your local credit union and save a lot each month.”

- paverill
“Try volunteering 2 pick up coffee or lunch 4 the office when it's a place w/a frequent buyers program (like buy 10 coffees get 1”

- msmith
“Is it a need or a want? That's how I decide to spend money or not.”

- apulkkinen
“1 account just for bills, savings, & 1 you have access to for what you want. Saving all your change can really add up too:) ”

- kbishop
“To help teach my son F.R. He takes care of the returnables. Helps so much with the wants, like Wii games and such. :)”

- wbrassbridge
“We purchased a gas heater with an electronic igniter. The pilot light stays off until we use it, saving money on gas.”

- erassi
“save all change,pay off credit card monthly,shop sales,use trac phone,stop long distance,recycle,turn thermostat down,insulate.”

- mpolk
“To save on gas, commute to work by riding your bicycle and/or bus, this will save money as well as the environment. ”

- chickey
“Save at your local grocery by purchasing items on the discount rack -like veggies and make a meal for the week with them!”

- rfournier
“A pack of Cigarettes cost $7.20, put down the pack and save the daily cost for 365 days. WOW! $2,628.00”

- ehickbottom
“We put any change from all checks deposited in to our savings even change from ur pockets at the end of the day! ”

- njiminez
“Divide your monthly payments by 4 & pay that amount weekly. Save $ on interest and payoff quicker”

- bcairns
“Look for rebates online when buying electronics, computers, and large household items. Huge savings!! ”

- fgagnon
“Become members of a Credit Union - you will save so much in fees!”

- kwelborn
“Save your money and pay off your mortgage. It feels great!”

- ereitenbach
“Always pay yourself first (weekly) then pay your bills and then feel good about spending what is left.”

- dskelton
“Buy and sell your books for college online and save hundreds of dollars!!!”

- acote
“Don't buy school clothes until they go on sale. The kids can wear their summer stuff in Sept. when it is still hot.”

- dcilley
“I save all the pennies and loose change I find and once a month I deposit it into savings. I also deposit returnables money .”

- lboutot
“I empty all change from my pocket book and returnables put it all in savings buckets for the end of the month.”

- mconroy
“I live in Searsport and found TWO CUs in Belfast that I can go to instead of driving to Bucksport. Will save gas money.”

- gtupper
“If I get a dollar bill with any of my initials in it I tuck it away. Good for a rainy day fund or the unexpected.”

- crichardson
“Save hundreds each semester and buy and sell your used text books and study aids on online sites.”

- hames
“Make you own liquid handsoap- dilute cheap shampoo with an equal amount of water. Put it in a bottle you already have. ”

- bgott
“Find duel duties for items. Used dryer sheets can be used to dust with or orange peels can be used as air fresheners”

- fgagnon
“When I get back a rebate/refund check I deposit right into my present club account, making a balance ready to use. ”

- bjohnson
“use cruise control. You will get better mileage on the highway than with your foot. ”

- jgiard
“Get a no-fee rewards card, use it for everything. Track your charges with a spreadsheet and pay it off each month.”

- ahang
“Put you pocket change into your savings.”

- dkachnovich
“fix all doors and windows in home before winter for any heat loss,it just may save you money at tax time.”

- wmaloney
“I put a set amount of money aside each payday so that when emergencies come up I don't have to worry as much.”

- pdodge
“If you can make it work on paper, you can make it really happen! Persevere!”

- jouellette
“Listen to Christmas music in August. Shop for Christmas early. No stress or impulse buying in December. Enjoy the holidays.”

- jnichols
“collect change all year and use it for something special, we use ours for camping”

- gmckinney
“Always pay with cash; put your change in a jar and save for a rainy day. It adds up FAST!!”

- jmclaughlin
“Do not spend more money then you have Over draft and credit cards will just cost you more money in the long run”

- ajackson
“Keep your gas tank at 2/3 to 3/4. Saves 1=2 miles per gallon. Try it.”

- rdostie
“Learn self-control! When buying something, know if this purchase is appropriate, considering your budget. ”

- cwhittum
“Set up direct deposit where 50% of you pay check goes into your savings and the other 50% goes into your checking.”

- rmoulton
“Shop for Back to School on Ebay during the summer when sellers will accept lower offers to move merchandise like coats, gloves, ”

- kryan
“Make savings a priority by putting 10% unto your account each week. You really can don't need to spend it.”

- rfournier
“When you use coupons for groceries, put the amount you saved from coupons into savings.”

- radams
“Use coupons as much as you can. Saves in future expenses by stockpiling and saves money today. Coupons are great!!”

- aelsemore
“With every paycheck, put aside enough funds to help you meet your monthly obligations”

- lrioux
“We line windows with shower curtains to conserve heat.”

- lmoulton
“To save on Gas: empty your vehicle of all unwanted weight. fill up early in the week, prices are usually less”

- ssutton
“Look at the deals before going shopping ,make a list and stick to it.”

- sholt
“Instead of buying paper napkins, using them once and throwing them away, wet a face cloth, use it once and throw it in your wash”

- llajoie
“To save on electricity, unplug all items that you are not using like microwaves,tvs,etc. They steal energy when plugged in.”

- fgagnon
“for hot water turn emergency switch off after shower and turn back on before shower next day. Save $175-$250 over summer.”

- rhorne
“be frugal,shop at thrift shops, looking for bargains online,possibly for resale!”

- mswan
“throw your change into a money jar, roll up every few months and deposit into your savings, for a rainy day or emergency fund”

- tsirois
“Always save... for the rainy day!”

- aonwuachumba
“If you always save 10% of every check you ever get and put it into savings you will have a tidy nest egg in a few short years. ”

- kmahoney
“Next time you are in a restaurant, get water instead and save especially if you are two in the party. Will help on gas expense.”

- lgilbert
“I cut up old sweatshirts for dishcloths and use my money saved for groceries or put it in my savings account”

- lbasley
“When sitting in construction, at the atm or at a teller window, shut off your vehicle! Save at the pump!”

- sjohnson
“Pick a neutral, separate color for each kid's socks; easier to identify and no lost "singletons."”

- wseavey
“Pay bills online and avoid the postage required to mail a payment.”

- sdavidson
“Don't try to out do your neighbors. Your things are just as good as theirs.”

- cvandendries
“Away on Vacation, few days ,Long weekend, Shut off the breaker to Hot Water Heater to save Kilowatts. Savings on Electric Bill!”

- swillumson
“I save $5 bills for something big. This adds up fast and you really do not miss them when you get change from a larger bill.”

- pbasinger
“Never be late & pay your principal faster. Have reoccurring weekly payments automatically withdrawn from your account. ”

- edarling
“visit the local farmer markets and save on fruits and vegetables and other fine local products.”

- msteuber
“Save the water collected in your dehumidifier to water plants or flush toilets during power outages.”

- wberglund
“No better way to save than have $25 or $50 directed deposited to your favorite credit union account. It's automatic savings!”

- cknaus
“I buy in bulk at BJ's, cut my sponges in half, as well as use an oil lantern to read at night! The savings add up over time!”

- kcunningham
“Keep a list of your area shared branches in your wallet and you can avoid ATM fees for unplanned withdrawals.”

- cburns
“I gave up driving and rely on public transportation. I live in a very convenient area.”

- shansen
“Always record your checking account transactions to the nearest dollar. Groceries $164.42 - record $165.00. It adds up quick.”

- kgilbert
“set up bill pay for monthy payments. Saves 3 ways,no stamps,no worries about if you paid and easy verification to see when paid”

- jgiard
“We are saving money by having a small wedding at our favorite campground and wearing patriotic t-shirts for ceremony 09/10/11.”

- kbissonnette
“you can save so much by raising a garden and canning the veggies, plus putting up your own fruits when in season.”

- kdeans
“Once you pay off a debt, continue to make that payment....to yourself.”

- hcarter
“i play music instead of downloading it on itunes.”

- tmctest
“Always avoid overdraft fees no matter what. Be diligent on maintaining appropriate balance. ”

- gjohnson
“When making your car loan round up to the next even hundred dollars. Example if your payment is $275 pay $300 instead.”

- sberlin
“Keep your eye on your goals and stick to your plan to save money every week no matter what happens.”

- lla vopa
“Set aside a $5 bill per day in a special place, you won't miss it & you'll be amazed how fast that adds up!”

- kmorgan
“packing lunch during the week for work rather than spending $10/day on lunch in town”

- mdurost
“Shut down your computer each night and either unplug it or shut off the power strip. This could save you $30 a month!”

- aroberge
“Save gas and stamps, bank on-line and use bill pay.”

- ecleary
“Buy a dependable, used car instead of brand new - saving yourself the large payments and the immediate depreciation.”

- hcarter
“Save and save at an early age!”

- pkemp
“Our son bought a lap top by borrowing against his savings. When done paying, he has his savings.”

- bvan horn
“I keep a register in excel with a formula for adding and subtracting, so I always balance.”

- kangell
“Open a Roth IRA for your child(ren) at the credit union. It's easy and it's never too early to start.”

- jmchugh
“Bought a Nissan Altima Hybrid car. Now...I buy gas 1x a month!”

- kdeterding
“Before you rent a car, check with your own insurance company. You may be covered on a rental.”

- gsargent
“when your at red lights turn your vehicle off. saves on idle time and money at the gas pumps”

- mcarrier
“Pay yourself first - consider adding to your savings just like paying a bill/debt and make it your first priority.”

- hcarter
“Select a number of days per month where you do not spend any money. Make it a challenge to not use that debit card!”

- dmancine
“Shop for an account to fit your needs; a higher interest savings account or a checking with no ATM fees or free checks, savings ”

- rrussell
“Use the 'Weekly' payment plan for loans (ex. : Car, Energy, Personal) - you'll save money & pay them off faster !”

- rsanfasin
“go shopping at goodwill. or thirft shops, you save alot of money on clothes, ”

- lcummings
“Leave your purse at home :o)”

- bedmonds
“Plan you debts on necessity not a low interest rate.”

- jscanlin
“Check your credit score and take steps to improve it. Higher scores mean better interest rates and cheaper insurance premiums.”

- hcarter
“Shared branching helps me with travel and fuel costs. ”

- acyr
“save $5 bills you receive for 1 year...big savings without noticing!”

- jdewitt
“Prepare a menu so I don't have to go to the grocery store but 1 every 2 weeks.”

- agranholm
“google best gas prices in advance. ur plans may take u near those stations. no making special trips just for gas. it adds up!”

- pthibodeau
“Fill your oil tank in the summer when prices are low..”

- jimrie
“Find a penny pick it up, and then all day you will have good luck!”

- dvigliotta
“When shopping ask yourself, "Do I need it or do I want it...and does my budget allow for it?"”

- tcyr
“use coupons for only items you purchase ”

- scurtis
“toss any change into a jar at the end of the day,it's amazing how quickly it adds up!”

- koak
“Bring your lunch - don't go out!”

- rwheeler
“Grow a garden. Can and freeze. You have them all winter. Pickle beets, relish, salsa, pickles, etc. Easy, saves money, delish.”

- jguilbeault
“Cancel high cost of cable tv and get yourself rabbit ears and watch local channels and save money every month.”

- bdavis
“By choosing a bi-weekly mortage you pay down the principle faster and save on interests costs.”

- gmiller
“New 18 yr old establish credit with Savings secured loan, they get credit line and money back at the end of term!”

- amiller
“Turn your meals into two seperate, spare ribs turn into enchiladas the next day. Never throw out leftovers again. Be creative!”

- pleonard
“I work in Bangor. If I drive slower to work I get an extra trip per tank of gas.”

- cgiggey
“Do not impulse buy, "sleeping on it" prevents buyers remorse and you spend less!”

- kknowles
“Always use cash instead of the card or checkbook, then save the change up. You'd be surprised how quickly it adds up!”

- agilliam
“Instead of buying expensive liquid hand soap refills, I fill the bottle with a diluted inexpensive liquid dish soap. Works great”

- dpeters
“I bought a voltage reader and the electronics that use the most energy remain unplugged until ready for use. ”

- malbert
“always pay your credit card balance in full every month”

- gwyman
“I'm able to do my banking every week in Caribou rather than traveling to Van Buren, or Presque Isle!”

- mclark
“If you don't have it, don't spend it.”

- jdoody
“We use our bar code scanner on our smart phone which finds the cheapest price in the area. ”

- mouellette
“When deducting your check or debit card amounts always round up. You will be saving without any effort..”

- jlilbby
“By making our coffee at home and bringing it with us to work, instead of stopping at D&D every day, we save at least $150.00”

- acole
“Avoiding paper products is one of the best ways to save money; plus, it's healthy for the environment! ”

- lguay
“For my college projects, I used recycled materials around the community. It is a huge help since I am very tight on money.”

- kguay
“Grow your own garden. You will have fresh vegetables and greens. Be healthy and save money!”

- sdeprey
“Forget expensive pet toys, a piece of string or a tennis ball provides endless entertainment!”

- pdhuy
“I have Microsoft outlook and I set a reminder so I don't forget to pay my bills.”

- msica
“Pay an extra 5, 10, or 20 dollars on your loan each month and/or make bi-monthly payments to pay down your loan faster.”

- jfournier
“Put extra money into paying off your loans quicker to save on interest.”

- kkillam
“Each week I prepare a weekly menu. I base my grocery list on this menu and save on grocery expenses.”

- tsawyer
“When booking hotel rooms, always check other rates like AAA or AARP in the dropdown. "Best Available" isn't always true.”

- adostie
“Get paid what you're worth and spend less than you earn!”

- scaron
“Use it up, wear it out, make it do or do without. ”

- jmorrison
“Shared branching enables me to make my mortgage payment without having to spend extra on gas & travel.”

- kcormier
“Grow a garden! Far less expensive than buying organic produce & the fresh air helps the soul.”

- tdorr
“Before making a big purchase, shop around. The internet is a great tool to compare products and find the best prices available. ”

- hneal
“Talk to your children about money, be a good financial role model. Give them plenty of practice. ”

- hstout
“Roll down your car window and enjoy the fresh air rather than turning on the A/C. This will also help save on fuel costs!!”

- rsouthard
“Save money on gas and ride your bike to work a couple of days per week.”

- dellis
“Buy vacation property with a trusted friend, saves 50% on taxes, upkeep, etc. so you can afford to travel more.”

- dkinney
“Don't use credit cards unless it's an dire emergency. Don't spend what you don't have. Eat before going shopping. ”

- deaton
“whenever you go to the store , shop for meat that only has coupons on the package and stock up when you can.”

- abeane
“whenever I find money in my pockets or purse, I put it inside a clock mantal and by the end of the year I cash it in.”

- mrovaris
“Plan a shopping/errand route so that you get the things done you need, in one circular route. It saves gas and time! ”

- crobertson
“Use coupons! By matching sales with coupons and stacking coupons where available you can save a ton on items you need everyday!”

- pbuccellato
“Make your own. Reuse what you can. example compost to garden to table to compost again”

- msirois
“Unplug your cell phone charger when done charging your cell phone. It will save a lot on your electric bill!”

- ssmith
“I opened a christmas club and have it auto deduct $50 each week. I will use it to pay down/off a loan.”

- lconway
“Instead of buying coffee at DD's I save at least $45 a month brewing my coffee at home. It only takes an extra five minutes.”

- dlilly
“Clip coupons from Sunday paper. Really helps to save at grocery store. ”

- ldodd
“Open different Club accounts. One account for each bill helps organize paying bills each month”

- bhebert
“Tip for parents of college students: have them use shared branching to easily send them money through your home credit union”

- shebert
“Look for a credit union with shared braching when you go off to college. Life's easier when you only have one account to manage.”

- couellette
“ I bought a voltage reader and the electronics that use the most energy remain unplugged until ready for use.”

- malbert
“Teaching 5 year old son to put 1/3 of money in savings, 1/3 for donation, and 1/3 he can spend. ”

- cmichaud
“Pay yourself every paycheck. Make it so you are a bill. Put it in a savings account and watch the money pile up.”

- dbarcelou
“Bring your lunch from home instead of buying out every day.”

- jcain
“Always take advantage of payments done on line to avoid charges for paper statements”

- gwyman
“We have a yard sale to help clean out the basement and closets. The money earned is put towards summer vacations.”

- spatterson
“My money saving tip is only purchase what is NEEDED not WANTED”

- mdrew
“Shop for auto and home insurance annually. The savings could be as much as $60 per month or $800 a year!”

- jroy
“Have $5 or $10 directly deposited out of your check to a separate savings account and watch it grow.”

- tcotnoir
“Host swap events. Bring stuff you don't need, in good condition, and swap with friends. Good for the environment too!”

- dcasey
“Barter for what you need because there's always someone that needs what you have.”

- rgraves
“I have started putting 10% of my pay into my savings account before I pay my bills. Its there if I need it and it helps me save”

- eshorey
“Your Credit Union may be able to lower your vehicle loan payments. Look for promotions of CASH BACK when you transfer your loan ”

- kkavanagh
“Thrift shops are my best savings, and on Wednesdays Salvation Army has 1/2 price sale. ”

- hgoding
“I pay 1/2 of my loan every 2 weeks so that i will have the loan paid off sooner”

- cstearns
“deposit whatever extra you can weekly into savings account even if its a couple dollars”

- kwhite
“Save the cash value that you used from coupons starting in January and enjoy the extra cash for Christmas shopping.”

- dgasch
“Stop buying "stuff', save on the rental of a storage unit!”

- jmorrison
“When you think it is empty, cut open the end of a tube of anything and you will find that there is more left.”

- jstraub
“4 quarters per day in my trucks ashtray. $7 per week,$30/mo to my savings!”

- dflood
“If you've owned a house in the last year go to local town office and fill out homestead exemption, it will reduce property taxes”

- jgreenwood
“At the grocery store, look at the “reduced” rack for bread items that are about to go out of date and then freeze them.”

- storbett
“Recycle bottles, save the money, then do something fun with friends and family!”

- vcyr
“Save your money in your kids piggy bank and you'll never dig into it because it will be like stealing from them.”

- mgailloux
“Skip buying a cup of coffee in the morning and brew your own at home. You could save $40+ dollars a month!”

- rdoherty
“Really weigh wants vs. needs. Never pay full price for a want. Goodwill and yard sales are great fun and can be addictive!”

- mwilliams
“Bring used clothing to consignment shop and receive a percentage of the sales. ”

- smercier
“use cash,no cards at all...its harder to spend real cash in hand.”

- crice
“Only use half the amt. of Laundry detergent that is recommended on the box. You save money and it's better for your skin.”

- lhawkes
“A SIMPLE SAVING OF 2.75 PER Day, will give you over a thousand dollars in one year.”

- cbarton
“Hunt, fish, grow a garden, walk, bike or carpool, recycle and turn off lights and appliances that aren't being used.”

- jmelanson
“Save all your bottle money and excess change in a designated vacation account. Painless way to save for a trip!”

- skeefe
“Don't pay for long distance on your phone bill. Use free services like Skype or Google Voice to call your relatives for free! ”

- dsauce
“Set up auto payments on bills so you never get a late fee.”

- cvarisco
“I check the internet for coupons for books, restaurants and other household items.”

- ljohnson
“Pay your mortgage bi-monthly to save a LOT in the end. You pay the same per month, but you pay far less in interest.”

- dcarson
“To save expense when traveling, always book air with your airline direct. You will get the best deals possible this way.”

- slibby
“Buy in bulk and freeze. But be smart and compare prices.”

- jbemis
“For one week write every expense down , you will be surprised at the amount of money we spend on things we really don't need!”

- kmclaughlin
“We rounded-up our $231.82 loan payment to $250.00, put the difference into savings. $18.18 adds up + we are 1/2 way to our goal.”

- splummer
“Look at grocery ads and then find coupons online to get even more discounts on items already on sale!”

- ahenderson
“I collect the change that my two teenage daughters leave laying around the house and when they need money I give it to them.”

- janderson
“In times of low interest rates consider paying off your higher interest mortgage with your home equity line of credit.”

- salmy
“Round up automatic loan payments to save interest and pay off much earlier than expected.”

- jshelley
“Pay yourself first, I save all loose change, it really adds up in no time.”

- emitchell
“Shop second hand…from thrift shops to yard sales. You can find great deals on nearly everything from clothing to furniture. ”

- edort
“Always count your change and check your receipts”

- fwitham
“Go to your local library for movies, books and community events. Saves a lot and its fun!”

- ldodd
“Enter credit card transactions in your checkbook register so you've set aside money to pay your card charges each month.”

- bwilliams
“Use Club accounts to separate funds for mortgage, vehicle, misc bills, etc and deposit 1/4 of the bill to them each week. ”

- mgagnon
“Only carry $7.00 on your person”

- jramos
“I collect all the coins from my couch each month to deposit.”

- shildebrand
“I switched my home heating source to natural gas two years ago and saved over $1000 in the 1st year.”

- msoucy
“My daughter loves to dress up her dolls, so we use outgrown clothes, baby clothes & yard sale finds!”

- kfalls
“Drinking black coffee saves you money, and is healthier!”

- vwoodhead
“take advantage of med flex accts versus tying $ into health insurance premiums. pick affordable choices”

- tpoissonnier
“Having a savings goal (trip, furniture, etc.) will make you think more carefully about impulse purchases. ”

- shager
“Run errands during your daily commute, or if you drive somewhere else plan to do as many errands as possible during your trip.”

- jlapierre
“Put unexpected cash into an envelope instead of into your wallet, and use for something special, like a trip.”

- ppelletier
“Save up an emergency fund equal to 3 to 6 month's of expenses in a easy place to withdraw funds, such as a money market account.”

- mdavis, jr
“When doing nightly dinner cleanup- use leftovers to prep and freeze another quick-n-easy meal.”

- skashinsky
“I pay all of my bills on-line thus saving me my valuable time and gas and no stamps!!”

- aviernes
“save 10% of everything you earn”

- kbrown