Top 10 Money Saving Tips

1. Coupon shop at grocery stores that offer double coupons. But be careful, only buy products that you regularly use.
2. Subscribe to your favorite magazines. You can save up to 90 percent off newsstand price. One of the best places to buy magazine subscriptions is Ebay. You can often find subscriptions to popular magazines and bonus magazines on Ebay.
3. Consolidate home phone-Internet-cell phone, or Internet-cable-phone service and car-home-life insurance.
4. Never go to the grocery store on an empty stomach. If you are hungry, you will buy more because everything looks good.
5. Use a bank that offers free checking accounts. Depending on the type of account, you can save up to $150 per year, per account.
6. Ask your doctor and dentist for samples. Many doctors and dentists can give you free samples of toothpaste, toothbrushes and over the counter medications.
7. Ask your credit card company to reduce your annual fee. Many credit card companies will reduce the annual fee and interest rate if you ask them.
8. Buy generic medicines (prescription and over the counter).
9. Stay away from trendy fashions and buy clothes a season ahead. You can save big by buying next year's winter clothes at the end of this winter season.
10. Send in an extra mortgage payment once a year. One extra payment a year can take 15 years off a 30 year mortgage.

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