Turn off lights, TVs, computers and other electronics when not in use

Install a programmable thermostat so your home is heated or cooled only when you're actually there.

Use shades, blinds and drapes to regulate your home temperature: Keep them open in the winter to let in light and drawn in the summer to block the sun's rays.

Use a clothesline and use your dryer just to soften air-dried clothes.

Wash only full loads of dishes or clothes.

Investigate whether bundled service (phone, high-speed Internet and television) might save you money.

Raise your deductibles on your homeowner's or renter's insurance.

Eliminate some premium channels from your cable or satellite TV service.

Seek a cheaper long-distance carrier (check out sites like SaveonPhone.com or LowerMyBills.com ) or switch to Internet calling if you have high-speed service.

Cancel your land line in favor of cell service (or vice versa).

If your employer offers direct deposit – sign up! You’ll save on trips to the credit union and eliminate the chance of your check being lost or stolen.

Consider a home equity loan to consolidate debt. The rates on this secured loan are usually lower and the interest may be tax deductible.

Hold a garage sale. You’ll clean out your closets and pocket some cash at the same time.

Use fluorescent bulbs in lighting fixtures that stay on for long periods of time. They produce four times as much light per watt as incandescent bulbs and last 10 times as long.

Cut back on cigarette smoking and soda drinking. Put the money you’re saving in a savings account. You’ll be surprised at the amount you save.