Instant Free Money Tips

• Raise deductible on car insurance
• Drop rip-off insurance like extended warranty and insurance on electronics
• Get back to basics.  Live well with less
• Roll back to basic cable and save $30 to $40 a month
• Impose a no spend week, at least twice a month
• Use teaching schools for big discounts on hair , nails, massage
• Clip coupons, buy store brands, limit convenience foods, and stoop to save
• Plan your meals in advance - at least a 30-day meal plan
• Sell your good junk and excess stuff
• Gold is at an all time high. Raise quick cash - sell broken, unwanted jewelry
• Give yourself a raise - increase allowances if you received a big tax refund
• Take advantage of the 30% energy-efficiency tax credit
• Save energy.  Turn thermostat up 1 or 2 degrees in summer (down in winter)
• Weatherize on the cheap - add weather stripping around windows and doors
• Switch to energy-saving fluorescent bulbs
• Turn off the water in the shower while you lather up
• Ask for lower credit card rate
• Stop using credit cards and pay down high-interest debt
• Avoid overdraft fees.  They make you poor and the banks rich.
• Use only your bank's ATM
• Scale back on eating out
• Stop. Think before you purchase
• Give up vices, save thousands
• Carpool, bike, walk or use public transportation
• Take advantage of 'free' $8,000 first-time home buyer money
• Don't overlook thousands in Earned Income Tax cash
• Argue property tax bill. Home values have fallen, so should your tax bill