Here are some general hints and tips you can use in your own home to save money. Remember it is all the little things you do that add up to big savings. There are only so many ways that you can save a large sum of money fast.

- Cut out non essentials from your grocery list. For example, do you have to have soda? At least try a cheaper brand and remember that change takes time to get used to. Check the store brands at your grocery store. They are almost always cheaper and usually taste as good or better than the name brand.

- Turn off all lights when you leave the room. Unplug all gadgets and appliances where possible when not in use. Plug your computer and its accessories into a power strip. When not in use just flip the switch to off. Even when your *stuff* is off it is still drawing power, adding money to your power and light bill. Unplug your coffee pot if you don’t need to set it on a timer. I do this and use the clock on my microwave because I cannot unplug it. After your cell phone is charged, unplug the charger. Unplug lamps when not in use. You can also plug your t.v., vcr, dvd player into a power strip and just shut off the power strip when not in use.

- Use recycled or cloth shopping bags. This not only keeps plastic bags out of the landfill and reduces pollution but several stores now give you a discount, say 5 cents per bag, on your grocery bill for bringing your own bags. Two of my local grocery stores do this. If you frequently forget your bags at home when you go shopping, simply put them back in the car after you unload your purchases. I keep mine in my trunk. Call your local grocery stores to see if any of them have this discount.

- When I moved into my apartment I had to start from scratch. I had NOTHING. I was lucky in that my best friend and family were very generous and gave me all of their unwanted items, which furnished my apartment until I was able to buy improvements or replacements and the items that I wanted but had to do without until I could afford them. The point is put the word out when you have a need. You might be surprised to find someone you know has that item and is willing to give it to you or sell it very cheaply.

- Go through all your possessions and have a rummage sale to get rid of your clutter and make some extra cash. Most american households are cluttered with stuff that  we don’t use. A good rule to follow: if you haven’t used it in 6 months or more, get rid of it, unless you have a strong emotional attachment.

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