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Scan listings in your area at (click on 'garage sale' in the 'for sale' category), (click on 'Garage sales' in the Community section), and Also try the sites of local newspapers.

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Get free (or cheap) furniture and other household staplesįor bargains on things like furniture and other home products, scan or Craigslist or go to yard sales.

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Thinking of going solar? The federal tax credit is 30 percent of the cost with no cap for renewable energy products like solar heating, plus there might be state and local incentives. Plus you could get a 30 percent tax credit up to $1,500 for eligible products. Adding insulation, covering hot-water pipes, and lowering the water temperature to 120° F could save another 10 percent.

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Weather stripping for old windows and doors can reduce yearly heating bills by 15 to 30 percent. (Go to for info.) Stock up on energy-savers Plus you could get a rebate on Energy Star appliances. Replacing an old fridge, the biggest energy hog in your house, could save you $100 per year on energy bills. Also try sites such as and Buy energy-saving appliances Make at least one or two calls to other auto insurers every couple of years to see whether you could save by switching. (Filing too many small claims might raise your rates anyway.) Shop around for lower rates Consider raising your deductibles if they're $500, think about increasing them to $1,000. Make sure you're taking advantage of every discount (ask your agent). That can cut your energy bills by as much as 20 percent. Turn the heat down by 5 to 10 degrees at night and when you're not home, and turn the air conditioner up by the same amount.Open curtains on south-facing windows in winter to let in the sun's heat and close them in summer to keep it out.

Use the microwave more it uses less energy than a conventional oven.Skip rinsing dishes before putting them in the dishwasher (new machines can handle the crud, and it can save 5,000 gallons of water a year).Use cold-water detergents and cycles when washing most clothing.Together, the following simple, low- or no-cost moves can save you real money: You'll save about $56 over the life of each bulb. Replace your incandescent lightbulbs with energy-saving compact fluorescent bulbs. So extended warranties are generally a bad deal. And when they do go kerflooey, the repairs, on average, cost about the same as an extended warranty. Also, electronics and appliances rarely break within the warranty period. Skip extended warrantiesįor starters, some repairs are already covered by standard manufacturer warranties built into the purchase price. Or identify what gives you the upper hand and ruthlessly (but politely) use it for example, blemishes on a floor model, a desperate home seller, or a car gathering dust on the lot. The easiest way to get the negotiations started is simply to ask whether you can get a better deal. The bigger the item, the bigger the potential savings. You can haggle for a lower price on just about anything-electronics, jewelry, massages, even medical bills. If you have a smart phone, use apps like Cellfire, Coupon Sherpa, Google Shopper, MobiQpons, RedLaser, and ShopSavvy to find better deals while you're in the store. Also find discounts by doing a search with the name of the retailer or the product and the words 'discount code.' Use social-networking sites like Facebook and Twitter to learn about special deals. Consult coupon sites like and and price-comparison search engines like and. Check retailer and manufacturer Web sites (or sign up for e-mail sale alerts, if necessary) for coupons and other special deals.