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Pls click on other category for cost saving ideas . Checking Accounts and Debit Cards. Request a complete list of fees that are charged on these accounts, including ATM and debit card fees. To avoid late payment fees and possible interest rate increases on your credit cards, make sure you send in your payment a week to ten days before the state.

Pls click on other category for cost saving ideas . Ask your electric or gas utility if they audit homes for free or for a reasonable charge. If they do not, ask them to refer you to a qualified professional. Before making calls when away from home, compare per minute rates and surcharges for cell phones, prepaid phone cards, and calling card plans to find .

Pls click on other category for cost saving ideas . You can often negotiate a lower sale price by employing a buyer broker who works for you, not the seller. Do not purchase any house until it has been examined by a home inspector that you selected. Renting a Place to Live. Brands and models and .

Pls click on other category for cost saving ideas . You can save hundreds of dollars a year by shopping at lower-priced food stores. Convenience stores often charge the highest price. You will spend less on food if you shop with a list, take advantage of sales, and purchase basic ingredients, rather than pre-packaged components or ready-made items. Before selecting a funeral home, call several and ask for prices of specific goods and services, or vis.