If you're responsible for paying your gas and electric bills, you may want to invest in a programmable thermostat. You can program the thermostat to adjust the temperature in your home based on the time and day. Over a year you can save hundreds of dollars in energy costs! While you're at work, why should you pay to keep your home warm or cool during the day? You can find some programmable thermostats at SmartHome.com. They can range anywhere in price from $30 - $200 depending on the make and model.

Did you know that raising the deductibles for your home or auto insurance policy can reduce your premium? We only recommend this if you are comfortable paying the deductible should something "bad" happen. Increasing your deductible from $250 to $500 a year can save up to 12% on your policy.

If you are keeping all of your money in savings, why not move some of it into a CD? CD's almost always have better interest rates then a typical savings account, but keep in mind there is a penalty for early withdrawal. If you don't need the money in the short term, you might as well make it work for you in a CD!

If it's been sitting around doing nothing for more then a year, you probably don't need it. eBay is a great place to sell the stuff that's been sitting in your closet, garage, or attic. If you don't want to deal with eBay, you can always find an eBay drop-off store that will sell it for you (and take their commission).

When you're thirsty at work, home, or while your out to eat; forget the carbonated drinks and opt for a glass of water. It's cheaper and better for your teeth.