Way to Save #95: Use Ceiling Fans

Ceiling fans cost less than 1/10 of what air conditioners cost to run. In the winter, reverse the blade direction to force warm air down from the ceiling.

Way to Save #94: Change 1 Degree On Your Thermostat

Turning your thermostat dial up or down by just one degree can reduce your energy bill by up to five percent per month.

Killer Hospital Bills

The uninsured pay far more for their health care procedures than your insurance company would.

Making Movies with Cell Phones

Cell phone video cameras may mean the end of the home video camcorder.

Way to Save #93: Seal Up Your Home

Use a lighted candle to detect air leaks around doors and windows. Caulk is much cheaper than electricity.

5 Tips for Cheaper Driving

Five tips to keep your car and budget running lean

Groceries: 50% Off

The jobless rate has thousands of American’s shopping for a way to keep food on the table for their families. Here’s one program that can cut your groceries bill in half.

Way to Save #92: Change Your Filters

Keeping your furnace and air conditioning filters like new can save you up to 10% per month on costs. Don’t check them once a year, check them once a month.

Way to Save #91: Buy Energy Efficient Appliances

Those yellow energy-guide stickers are important reading, especially if you’re shopping for a refrigerator, air-conditioning or a furnace.

Way to Save #90: Run Your Dishwasher Less

One less time per week can save you $50 per year. And air-drying your dishes will also save.

Way to Save #89: Use Florescent Bulbs

Here’s a bright idea. Florescent bulbs use 75% less energy than incandescent and last up to 10 times longer. Use as many as you can. And for non-reading lights, lower the wattage of your bulbs.

Way to Save #88: Get A Free Energy Audit

Many utility companies will come out to your house for free or at a nominal cost and tell you how to save money. If yours will, let em. And while they’re there, ask if they have any off-peak, load-management or other savings programs.

Way to Save #87: Negotiate Rent

For some reason, everybody knows they’re supposed to negotiate house purchases, but almost nobody thinks of negotiating rent. Why should you pay the same rent as the punk rockers upstairs? You’re a quiet, high quality, self-sufficient tenant who will be less hassle than other people. Therefore you should pay less rent. (Trust me, as a … Continued

Halloween On A Budget

A scary economy doesn’t have to frighten away your fun this Halloween. Here are 3 do-it-yourself tips to sweeten your Halloween without spooking your bank account.

Way to Save #86: Inspect A House Before You Buy

Don’t even think of buying a house until you’ve had it thoroughly inspected. Not only will you be more comfortable with the purchase, but you can use the report as leverage to get the price lowered. (The inspector will ALWAYS find something wrong.)

Flashback To 1997 Investing In Internet Stocks

Jump into the Money Talks News “wayback machine” for a vintage story. I did this story about investing in Internet stocks 12 years ago. How did my picks work out?

Way to Save #85: Buy Homes Direct

People who sell their house themselves are saving money on real estate commissions. They should be able to sell for less. But doing things without realtors also means more education for you. So be knowledgeable before you try bringing home the savings.

States Want Tax on Web Purchases

Some states are beginning to charge sales tax on internet purchases.

Way to Save #84: Sell Your Own Home

Real estate commissions are among the costliest of fees, especially considering the value you get in return. If you’re in a lousy housing market, you may not have a choice: realtors will expose your home to the maximum number of potential buyers. But if the market’s popping, try selling it yourself, after reading a book … Continued

Way to Save #83: Time Your Home Purchase

October, November and December are the hardest months to sell a house, making them the best months to buy one.

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