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Can you use $1,476 to $2,592? You'll be that much richer

with the new

INFLATION FIGHTERS!

 

NOW! 693 HONEST, PRACTICAL WAYS TO HELP YOU BEAT

CONSTANTLY SKYROCKETING PRICES!

 

PLUS an exciting money-making home income opportunity for

you! You can reprint and sell this timely, wanted

information and earn OVER $19,00 on EVERY $20.00 sale!

Fight inflation in the 1990's! Learn how an average

family of 4 can save $123.00 to $216.00 a month!

At last! What everyone has been waiting for! Hundreds

and hundreds of good, honest, practical ways to save B-I-G

on the basic necessities of life:

Food...clothing...gasoline...energy costs...medical

expenses...taxes...plus much, Much, MUCH more! Brand new

up-to-date information! Almost 700 sensible $$-saving

shortcuts, professional tips and priceless advice on how

to wage war on continually rising prices.

MORE GOOD NEWS! Earn $200 to $300 a week and MORE in your

spare time! When you order all of these reports, you

receive full reprint rights. You then become a

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investment and you own a complete ready-made mail order

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over the exciting titles below. Each is a prizewinner

that everyone will want to buy and read! And remember,

you earn over $19.00 on every $20.00 sale! How's that for

profit?!!

1. 53 Practical Ways To Fight High Grocery Prices!

2. 45 Professional Tips To Cut Big Gasoline Bills!

3. 54 Secrets To Save On Family Clothing Purchases!

4. 38 Proven Methods To Reduce Medical, Dental Costs!

5. 56 Easy Ways To Slash High Electricity Bills!

6. 55 Rules For Cutting Home Heating Expenses!

7. 31 Useful Tips To Reduce Big Telephone Bills!

8. 55 Safe & Legal Deductions To Save On Taxes!

9. 42 Mechanic's Ways To Minimize Auto Repairs!

10. 36 Butcher's Suggestions For Cutting Meat Bills!

11. 57 Ways To Reduce Housing & Home Expenses!

12. 34 Legal Methods To Cut High Postage Costs!

13. 45 Secrets To Help Save On Vacations!

14. 47 Proven Ways T Economize At Home Every Day!

15. 44 Auto Dealer's Tips For Choosing The Best Used Car!

Your Choice $2.00 each. Any 3 for $5! Six for $10!

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with your own name!

You can have these reports printed for pennies, but sell

them for at least $2.00 each! Or, have all 15 printed for

about the same cost as 4 or 5 first class stamps! Then

sell the whole program - including full reprint rights -

for at least $20.00!! As a "Publisher", your profits can

be 97% and MORE! What an opportunity!

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INFLATION FIGHTERS

COMPLETE MONEY-MAKING MAIL ORDER PROGRAM: Your

opportunity to become the "Publisher" and "Prime Source"

without writing and testing.

Published by: Infopreneur Publishing, 3755 Avocado

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This program includes:

1. Fifteen Copyrighted Reports.

2. Marketing Program.

3. Copyrighted Circular.

4. Full Reproduction Rights.

This information is valuable. Keep it in a safe place.

It has unlimited earing potential for you.

NOTICE TO PUBLISHERS: When selling this information as a

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(c) Copyright 1990, FUN MATES PRESS. All rights reserved.

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A DOZEN EFFECTIVE WAYS TO SELL THESE REPORTS FOR BIG

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This notice gives you permission to reproduce the complete

"INFLATION FIGHTERS" Program, which includes: (1) Cover,

(2) Circular, (3) Marketing Program (Report #FMF-00) and

(4) All 15 INFLATION FIGHTERS Reports.

Before printing the circular, insert your name & address

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Also, if you wish, insert your name & address after the

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The INFLATION FIGHTERS were created to appeal to every

American who is interested in practical ways of saving

money. Serious mail order dealers should find no

difficulty in selling this valuable information. Here are

some proven methods on how you can make this program pay

off BIG for you:

1. Place copies of the circular on bulletin boards

throughout your community.

2. Insert the copyrighted circular into all of your

outgoing mail.

3. Mail the circular to all advertisers in mail order

trade publications.

4. Mail the circular to your own names and purchased

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5. Run inexpensive classified ads under "Business

Opportunities" or "Money-Making Opportunities" in national

magazines and newspapers. Send the circular to all

inquiries. Here is the type of ad to run:

EARN OVER $19 ON EVERY $20 SALE! Sell information by

mail! No experience needed! Learn how NOW! (Your name

and address here).

6. Run ads similar to the above in mail order trade

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7. These reports will sell well to the general public,

directly from small classified and display ads. To use

this method effectively, offer a single report for $2.00.

Then fill the order with the report PLUS a copy of the

circular that advertises all 15 reports. Here is an

example:

$AVE ON SKYROCKETING FOOD BILLS! Read "53 Practical Ways

To Fight High Grocery Prices", just $2! Rush order to:

(your name and address).

8. Have 3x6 circulars printed and include them in your

outgoing mail. Lit a few reports by title, selling them

for $2 each, or say 3 for $5, for 6 for $10. Ask for a

self-addressed stamped envelope too, if you wish.

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these reports can be used to build up your mailing list.

Because these reports are so cheap to print, you can offer

them free - just for getting a fresh name.

10. FREE ADVERTISING! Fun Mates' "ENDLESS ADVERTISER"

lets you insert your own 1" as on this ad sheet Then you

print & distribute as many copies as you like. The next

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on...and on. It is possible that your ad could be seen by

MILLIONS! Yet all it costs you is the price of having a

few copies printed! For a free camera-ready copy of the

ENDLESS ADVERTISER, send a long self-addressed stamped

envelope plus loose 1st class stamp to: Fun Mates Press -

Dept. FMF/EA, Box 6466, San Francisco, Ca 94101.

11. Reduce the circular 1/2-size and use it as a 5 1/2" x

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just $1 plus two 1st class stamps from: Fun Mates -

FMF/CR Art, Box 6466, San Francisco, CA 94101.

12. CR ADS AVAILABLE! For a full sheet of powerful 1"

and 2" CR ads to help you sell these reports, send $1 and

two 1st class stamps to: Fun Mates Press - CR Ads, Box

6466, San Francisco, CA 94101.

 

53 PRACTICAL WAYS TO FIGHT HIGH GROCERY PRICES.....

#FMF-01

1. Learn to cook intelligently. Invest in a good,

inexpensive cookbook.

2. Plan all meals in advance.

3. Cook only as much food as your family will consume at

each meal.

4. Cook slowly. Do not overcook. This prevents vitamin

& mineral losses.

5. Save and make use of all leftovers. Start collecting

leftover recipes.

6. Serve smaller portions. Eat less, stay slimmer...and

healthier.

7. Eliminate fancy, fattening, expensive desserts.

8. Give children smaller portions and teach them not to

waste food.

9. Pet food is expensive. Train your cat and dog to eat

leftovers.

10. Avoid "fad" and junk foods consisting of empty

calories.

11. Cut down on all sweets, white flour products and

fatty foods.

12. Stop smoking. Drink juices instead of alcoholic

beverages.

13. Don't drive many miles to save a few pennies at a

certain store.

14. Use powdered milk instead of fresh milk.

15. Beat high coffee prices by drinking tea - and save

about half.

16. Take your lunch to work.

17. Watch "open dating" on perishables and avoid buying

outdated, spoiled food.

18. Become a "comparison shopper". Buy "specials" from

several stores.

19. If you don't have one, invest in a new or good used

freezer.

20. Read labels. Remember that ingredients are listed in

order by weight.

21. Purchase only what you will use and eat everything

you buy.

22. Visit your grocer as LEAST often as possible.

23. Trade money-saving recipes with friends, relatives,

neighbors.

24. When grocery shopping, carry a list and stick to it!

25. Shop only on a FULL stomach. Never when hungry.

26. Never take children grocery shopping with you.

27. Clip, save and use "store coupons". Trade those you

don't need.

28. Watch for grocery store "sale" ads and shop the

store's specials.

29. Watch the cash register when checking out. Errors

can be costly.

30. Buy your favorite foods in the largest size

containers available.

31. Buy cheaper "store" or "house" brands.

32. Avoid the supermarket's "gourmet" section.

33. Stock up on genuine bargains.

34. Ignore advertisements for "new" or "improved"

convenience products.

35. Avoid all convenience foods and items with long lists

of additives.

36. Stock up on "in season" foods.

37. Pocket big savings by using more poultry in your

menu.

38. Avoid non-nutritious foods, junk foods, sugary foods,

soft drinks, etc.

39. Dine out less often. When you do, take home

leftovers in a "doggie bag".

40. Grow some of your own herbs, fruits, vegetables.

41. Avoid convenience stores. They're more expensive.

42. Ask store personnel to steer you to the "best buys".

43. Buy your favorite foods by the case and ask for

discounts.

44. Make your own soups, bakery goods, ice cream, yogurt,

cole slaw, jams, etc.

45. Buy unsliced cheese and sandwich meats. Slice them

yourself and save.

46. Look for damaged merchandise and ask for price

reductions: dented cans, crushed

cartons, outdated bakery goods, bruised produce, etc.

47. Buy ONLY food items from your grocery. Buy non-food

items elsewhere.

48. Serve a balanced diet and you won't have to spend on

vitamins.

49. Buy "in season" produce from local farmer's fields,

gardens, orchards.

50. Compare prices of foods in various forms - canned,

frozen, fresh and dried. Buy

the least expensive.

51. Observe "unit pricing". Compare weights before

deciding.

52. Before checking out, weed out the items you don't

need.

53. Limit snacks at home to popped corn, fruit &

vegetables.

45 PROFESSIONAL TIPS TO CUT BIG GASOLINE BILLS.....

#FMF-02

1. Before getting into your car, ask yourself "Is this

trip necessary?"!

2. On short trips, try walking or bicycling. It's good

exercise.

3. Consider car-pooling and share the gas bill and ride.

4. Always use the shortest route and avoid sightseeing

trips and bottlenecks.

5. Organize activities and perform as many errands as

possible in one trip.

6. If possible, avoid driving during rush-hour & other

peak traffic periods.

7. When bargain hunting, check newspaper ads and use

your telephone.

8. do they deliver? Let them pay for the gas! Try mail

order firms, too.

9. Make a list and do all the grocery shopping once or

twice a week.

10. Let the kids run some of the errands. Let them walk

to school, too.

11. Public transportation may be cheaper, especially when

traveling alone.

12. Pack as little in your car as necessary so it has

less weight to carry.

13. Shop around for service stations with the lowest

gasoline prices.

14. Check to see if there are "self service" gas stations

in your area.

15. Don't speed. Cars get about 21% more mileage at 55

mph then at 70 mph.

16. Better planning reduces the need for speeding, to get

there in time.

17. When starting your car, don't idle it for more than

30 seconds, even in cold weather. Today's cars are

designed to be driven almost immediately.

18. If you must stop for more than 30 seconds, don't idle

your car. The engine os more fuel efficient if your turn

it off and restart it.

19. Drive evenly with a steady foot. Avoid jiggling the

accelerator.

20. Keep tires properly inflated at all times. (Check

pressure when cold).

21. Use air conditioning only when necessary. Try

opening the window.

22. Avoid "jackrabbit" starts. When starting, press

accelerator slowly.

23. Avoid panic stops. When possible, coast to stops

such as traffic lights.

24. Remove items that cause wind resistance, such as

luggage racks.

25. Don't forget to release the emergency brake before

pulling away.

26. Never rev engine before killing it. This wastes gas,

wears out cylinders.

27. Keep tuned to radio traffic reports & avoid traffic

jams, other delays.

28. Make certain your gas cap fits properly.

29. Use the lowest octane gas that won't make your engine

knock.

30. Use only your right foot for accelerating and

braking. That way you can't accidentally ride the brake

and use excessive gas.

31. Shift into high gear as soon as possible. If you

have automatic transmission, lift your foot from the

accelerator about one second early.

32. Pass other cars as soon as you see you are overtaking

them. Don't wait.

33. Keep your car properly tuned for top fuel efficiency.

34. Keep brakes properly adjusted. Dragging brakes

increases resistance.

35. Operate as small a car as possible for your driving

needs. (Small cars weighing half as much as large cars use

about half as much gasoline!)

36. Avoid cars with gas-consuming options such as air

conditioning; power equipment such as window, door locks,

etc.; automatic transmission, etc.

37. In hot climates, drive a car with light colored

exterior and interior, to reflect light, heat. Tinted

glass also prevents heat buildup.

38. Use radial tires for less friction between tire and

road.

39. When driving, keep your eyes moving and your feet

still!

40. Keep your steering wheel still too. The more you

weave back and forth, the farther your car has to travel

and the more gas is consumed.

41. Don't overfill your gas tank. It could leak or spill

in heat or on a hill.

42. Use snow tires and/or chains as little as necessary

because they make your car work harder and use more

gasoline.

43. When you see a hill ahead, build up speed before you

reach it, then maintain your speed on the slope. (If you

must accelerate on the hill, you will use much more fuel).

Then coast down the other side.

44. Keep wheels aligned for better mileage. Longer tire

life, too.

45. Record all gas purchases for tax deduction purposes.

54 SECRETS TO SAVE ON FAMILY CLOTHING PURCHASES.....

#FMF-03

1. Before purchasing new clothing items, ask yourself if

you really need it!

2. If you charge clothing, pay your bills before "due

date".

3. Consider shopping at discount stores.

4. Can you get along without it until a sale comes along

at season's end?

5. Is it a new "fad" that may be out of style in a short

time?

6. Shop for clothing at rummage sales, garage sales,

flea markets, etc.

7. Shop for used clothing at "like new" shops - see your

Yellow Pages.

8. Watch newspaper ads for store sales, clearances,

close-outs, etc.

9. Consider buying or renting a sewing machine and

making it yourself.

10. Save by shining your own shoes.

11. Keep care costs in mind. Buy washables and save on

dry cleaning bills.

12. Shop for clothing at thrift shops.

13. always keep your clothes clean and in good repair.

They'll last longer.

14. Raise cash by selling discarded clothing at garage

sales, flea markets, etc.

15. Alter adult's clothing for your children.

16. Make minor clothing repairs yourself.

17. Get old shoes repaired for longer wear: resoled, new

heels added, etc.

18. Buy only clothing items that are well made and will

wear well.

19. Stick to basic styles, colors, fabrics.

20. Trade clothing items with friends & neighbors

(especially children's).

21. Carry a plastic raincoat to protect clothing from

unexpected showers.

22. Look for clothing bargains in newspaper classified

ads.

23. Buy versatile clothes that can be used for different

occasions.

24. Buy coordinated clothing so you can mix and match and

have more outfits.

25. donate used clothing to charities for tax deductions.

26. Save older children's clothing for hand-me-downs for

the younger ones.

27. Hand clothes properly for longer life.

28. change into old (washable) clothes for dirty at-home

tasks.

29. Before storing, shoes should be cleaned, polished &

shoe trees inserted.

30. Take extra special care of leather clothing items for

lifetime wear.

31. Avoid dry cleaning bills. Many spots can be removed

with cleaning fluids.

32. Buy dual-purpose clothing, such as reversibles,

topcoat/raincoats, etc.

33. If bored with a pair of shoes, consider dying them a

different color.

34. Use worn-out clothing for cleaning, household wipes,

and "nose blowers".

35. Consider saving by ordering clothing items from mail

order houses.

36. Buy children's clothing items a size or two larger

for longer wear.

37. During sales, stock up on basics: sleep wear,

underwear, socks, etc.

38. Teach children to care for their clothing.

39. don't "kill time" in clothing stores or you may buy

things you don't need.

40. Get to know where to go for the best buys for certain

items.

41. Practice sales resistance if you can;t find exactly

what you want.

42. Remember that high price does not necessarily mean

good quality.

43. When shopping, have a definite plan and stick to it.

44. If you cannot find what you want, go home without it.

45. Never buy anything just because "everyone else is

wearing it"!

46. Buy men's suits & coats in February, April, November

& before Christmas.

47. Stock up on children's clothes after back-to-school

sales in October.

48. Buy men's shirts, socks and underwear before Father's

Day in June.

49. Buy women's winter coats & suits in November.

50. Buy summer clothing, swimsuits, shoes & sandals

during sales in July.

51. Buy cocktail dresses, winter boots and furs during

January sales.

52. Shop "After Easter" sales for children's clothes,

dresses, spring coats and fabrics (for home sewing).

53. Look for spring sportswear sales during May.

54. Buy ski clothing during August; other sports clothing

during July sales.

 

38 PROVEN METHODS TO REDUCE MEDICAL & DENTAL COSTS...

#FMF-04

1. Don't get sick! Practice preventative medicine. Eat

a balanced diet.

2. Keep your weight down. Encourage family members to

do the same.

3. Choose a family doctor before you get sick. To find

one, ask friends. neighbors local medical society or

nearby hospital.

4. If you have minor medical problems, phone your

doctor. Don't visit him.

5. Purchase prescription drugs by generic names rather

than brand names.

6. Buy drug items from discount stores where they are

less expensive.

7. If vitamin/mineral supplements are necessary, order

from mail order firms such as: Nutrition Headquarters, 104

W. Jackson Street, Carbondale, IL 62901.

8. If you smoke, stop. You'll eliminate heart, lung,

circulatory problems.

9. Excessive alcohol is bad for anyone. Cut down or

stop drinking entirely.

10. Ask your doctor for "starter" samples of drugs he may

prescribe for you.

11. Protect against cost of blood transfusions.

Contribute blood periodically.

12. By law, all aspirin is the same. So always buy the

cheapest brand.

13. If your doctor writes a prescription for a brand name

drug, ask the pharmacist to substitute a less expensive

generic drug.

14. Most prescription drugs may be ordered from mail

order pharmacies licensed by the state. Ask your doctor,

pharmacist or hospital for the name and address of such

firms. This is a great saving for non-emergency drugs.

15. Check public health centers in your area. They

usually give immunizations and routine screening tests

free of charge. or for very little cost.

16. Buy a good home medical guide. Learn to recognize

symptoms of diseases.

17. If you have a persistent problem, get it taken care

of as soon as possible.

18. Record all medical expenses for tax deductions.

19. If possible , use "out patient" facilities for minor

operations and medical procedures if it is acceptable to

you and your doctor.

20. Have physical examinations regularly.

21. for minor surgery, ask your doctor if it can be done

in his office.

22. If hospitalization is necessary, have all tests done

before you enter.

23. Discuss your financial condition with your doctor,

especially before surgery or special medical program. He

may be able to suggest savings.

24. Save on hospital costs. Get in and out as quickly as

possible. Before you enter, be aware of what everything

will cost and cut out the "frills".

25. Shop around first. Then join the best health care

plan you can afford.

26. If a doctor claims you require surgery, get a second

opinion. A second M.D. nay know of a non-surgical

treatment that works.

27. Investigate any health insurance organizations in

your area. These are groups of doctors who offer you all

the health care you need in a year for a single

predetermined fee. Check your phone book.

28. Many medical schools that train optometrists and

podiatrists operate low-cost clinics. These clinics are

open to anyone.

29. Senior citizens who join the American Association of

Retired People get drug discounts. Ask your doctor for

the name and address.

30. Home health care is sometimes possible if there is a

knowledgeable person around. discuss it with your doctor

and you may shorten your hospital stay.

31. If you are in bad financial straits, you may be

eligible for Medicaid. Your local Dept. of Social

Services can give you information.

32. Keep your own accurate and up-to-date medical

history.

33. Many large corporations now arrange for their

employees to get free or low cost medical and dental care,

and medicine.

34. When visiting your doctor, bring along a list of

questions you want to ask.

35. Observe and teach all family members good dental

hygiene.

36. Visit your dentist regularly for checkups.

37. Use the best and cheapest dentifrice: salt &

bicarbonate of soda.

38. Many dental colleges operate no-cost or low fee

dental clinics.

 

56 EASY WAYS TO SLASH HIGH ELECTRICITY BILLS....

#FMF-05

1. Turn off lights in any room not being used.

2. Shut off dishwasher for dry cycle. Let your dishes

"air dry".

3. Use a window fan instead of air conditioner whenever

possible.

4. Turn off your TV, radio, record player when not in

use.

5. Use large bulb instead of several small ones where

bright light is needed.

6. Use lamp shades with white liner. This reflects more

light.

7. Replace incandescent with fluorescent bulbs wherever

possible.

8. Teach all family members to turn off lights when

leaving a room.

9. Don't use dishwasher or laundry equipment until you

have a full load.

10. Use outdoor lights only where they are needed.

11. Make sure your refrigerator and freezer door seals

are airtight.

12. Save electricity by using old-fashioned clothesline

for clothes drying.

13. Keep air conditioning condenser shaded from sun or on

north side of house.

14. Vacuum or dust off coils of refrigerator and freezer

regularly.

15. Turn off air conditioning when no one is home.

16. "Instant-on" TV sets use energy even when set is not

turned on.

17. A full freezer uses less energy. Use bags of ice

cubes to keep filled.

18. Never overload clothes dryer and always clean lint

filter after use.

19. Freezers and refrigerators that defrost automatically

use more energy.

20. Let hot foods cool before placing them in the

refrigerator.

21. Remove clothes that require ironing from the dryer

while they are damp.

22. When replacing switches, consider installing solid

state dimmer switches.

23. Use low wattage night-light bulbs that now come in 4

and 7-watt sizes.

24. Place your refrigerator in the coolest part of the

kitchen.

25. Don't "over dry" clothing. It wastes energy and may

damage synthetics.

26. When going away for extended periods, set

refrigerator at lowest setting.

27. Turn off electric water heater when going away for

vacations or weekends.

28. Turn 3-way lamps down to lowest level for TV

watching.

29. Choose light, reflective colors for room ceilings and

walls.

30. Never connect any large appliance to an extension

cord.

31. Decide exactly what you want before you open the

refrigerator door.

32. Defrost refrigerator regularly - when about 1/4 inch

of ice has formed.

33. "Long-life" light bulbs use more energy than standard

life bulbs.

34. Turn off your iron when not using it.

35. Put light switches where they are easy to turn on and

off.

36. Keep appliances clean and in good working order.

They'll use less energy.

37. When using air conditioning, set thermostat at 78

degrees or higher.

38. Keep bulbs and lighting fixtures clean. Dust lowers

light levels.

39. Eliminate unnecessary outdoor decorative lighting.

40. Plant shrubs and trees so that they will shade house

during summer months.

41. Use higher wattage bulbs only for reading and close

work.

42. Insulating your attic will save on operating air

conditioning (also heating).

43. If you have a second refrigerator, ask yourself if

you really need it.

44. Keep the outside exhaust of your clothes dryer clean.

45. Buy appliances on the basis of cost plus operating

costs, not price alone.

46. Buy clothing made of fabrics that require little or

no ironing.

47. Use hand tools in your workshop instead of power

tools.

48. When using air conditioning, keep windows closed &

close off unused rooms.

49. Use reflector floodlights in directional lamps

instead of standard bulbs.

50. Buy only "no iron" sheets and pillow cases to save on

ironing energy.

51. Use adapters to convert table lamps into low-energy

fluorescent lamps.

52. Microwave ovens reduce cooking time by 15% to 20% and

save energy.

53. When shopping for new appliances, ask about

energy-efficient models.

54. Don't use several light bulbs where one will do the

job.

55. Limit the use of appliances that use over 1,000

watts.

56. Check all energy bills closely. Errors can be

costly.

55 RULES FOR CUTTING HOME HEATING BILLS......

#FMF-06

1. Heat your home with energy that is cheapest in your

area.

2. Consider heating your home with solar heat. It costs

the least.

3. Insulate your water heater. This will pay for itself

quickly.

4. Open draperies and shades in winter to let in

sunshine.

5. Keep thermostat at 68 degrees; 55 degrees at night.

Install an automatic timer.

6. Heat only those rooms that are in use.

7. Cut heat loss in half by weatherstripping doors and

windows.

8. Check for cracks around fireplace. Keep heat in by

caulking all cracks.

9. Insulate your attic and all outside walls.

10. Be sure your thermostat is not located in a normally

cold or hot place.

11. In winter, set thermostat low. In spring and fall,

turn off heat.

12. Wear warm (closely knit fabrics) clothing indoors

during cold weather.

13. When away from home, turn off heat and hot water

heater.

14. Keep windows closed during cold weather.

15. Inspect your furnace. Keep parts clean. Replace air

filters when necessary.

16. Wrap heating ducts with duct tape where exposed to

cold air.

17. Don't peek into the oven. You lose 20% - 50% of the

heat each time you do.

18. Have your furnace serviced by an experienced

professional once a year.

19. Avoid use of kitchen, bathroom fans in winter. They

waste household heat.

20. Keep fireplace damper closed when not in use.

21. Make sure that furnace cold air register is not

obstructed.

22. Check efficiency ratings before purchasing portable

heaters of any kind.

23. Cooking utensils with flat bottoms and tight fitting

covers save heat.

24. Be sure pots and pans are right size for range

burners and elements.

25. Plan some meals so that entire meal can be prepared

in oven at same time.

26. Thaw frozen meats to almost room temperature before

cooking.

27. Never use range or oven to heat the kitchen. This

could prove dangerous.

28. Turn off oven about 5 minutes before cooking time os

over.

29. Use storm or thermal windows in cold areas.

30. During winter months, arrange furniture away from

outside walls.

31. Remove awnings from sun-exposed windows during winter

months.

32. Insulate floors over unheated spaces such as crawl

spaces and garage.

33. Close off attic, garage, basement, spare bedrooms,

storage areas, etc.

34. An electric blanket is much less expensive than

heating your bedroom.

35. cover pots and pans when heating liquids.

36. Install storm doors before cold weather arrives.

37. seal gaps around pipes, wires, vents. Caulk

baseboards.

38. Turn off heat when the fireplace is being used.

39. A glass front or glass screen will reduce fireplace

heat loss.

40. Dust or vacuum radiator surfaces frequently.

41. Don't forget to weatherstrip your attic door to

prevent heat from escaping.

42. Insulate your mattress and bed frame with wrapping

paper or plastic sheets.

43. Repair holes in roof, walls, doors and windows where

heat may escape.

44. Check to see that glass in all windows have full

putty.

45. If wood is inexpensive in your area, install a wood

burning stove.

46. Turn off your furnace pilot light when heat is not

necessary.

47. Teach youngsters to keep doors closed and other ways

of conserving heat.

48. Talk to your utility company for other suggestions

for saving heat

HOW TO SAVE ON HOT WATER......

49. Keep hot water thermostat set at 110-120 degrees.

(Most are set at 140 degrees).

50. Repair faucets. A dripping faucet can waste 15

gallons of hot water a day.

51. Install an automatic timer so water is heated only

during hours needed.

52. Wash clothing in cold water with cold water

detergent.

53. Install an aerator on your kitchen sink faucet to

save on hot water.

54. Save hot water by installing a low-flow showerhead.

55. "Suds savers" on washers allow you to reuse hot water

for several loads.

31 USEFUL TIPS TO REDUCE BIG TELEPHONE BILLS......

#FMF-07

1. If the message isn't urgent, send a letter or

postcard instead.

2. Avoid using coin phones. They generally cost more in

the long run.

3. Limit all phone calls to five minutes or less.

4. Instruct all family members - including children - to

make only calls that are necessary.

5. Check your directory for phone numbers. Some

telephone companies now charge when you dial "Directory

Assistance" for information.

6. Use your radio for time and weather information

instead of your phone.

7. Dial calls "direct". Charges increase when an

operator is involved.

8. Phone during discount rate periods - evening, night

and weekend hours.

9. Call when holiday rates are in effect, generally all

day for legal holidays such as Christmas, New Year's Day,

Thanksgiving, etc.

10. Avoid calls that require the services of an operator:

collect calls, credit card calls, calls charged to another

number, time & charge, etc.

11. Avoid "person-to-person" telephone calls.

12. Many firms have toll-free "800" numbers. Most

airlines, railways, bus lines, hotels, motels, rent-a-car

chains, etc. will pay for your call. Look them up in

your directory for the "800" number, or call 800-555-1212

to see if the firm you want has a toll-free number.

13. Many businesses have "Zenith" or "Enterprise"

prefixes. They are toll-free also. Check your directory

for such numbers before dialing.

14. Plan your phone calls in advance, especially when

dialing long distance. Some areas have unassisted

1-minute calls that can save you money.

15. If you phone someone frequently, "schedule" your

calls. In this way, you can dial direct when the person

you want to reach will be there.

16. If you reach a wrong number, call the operator right

away so that you won't be charged for it. If this happens

with a coin phone, the telephone company will mail you a

refund.

17. If you have a bad connection or get cut-off, both

parties should hang up. Whoever placed the call should

tell the operator about the problem. The operator will

then reestablish the call & make an adjustment.

18. Extension phones cost extra. Have them installed

only when necessary.

19. If a coin phone takes your money and doesn't complete

the call, notify the phone company by calling from another

phone. Give them the number of the faulty phone and they

will mail you a refund.

20. If you are going away for over 60 days, you can

temporarily suspend your phone service. This rate is

lower than most regular rates.

21. When relocating, have all phone installations done at

the same time.

22. There are usually no time limits on local calls.

However, "nearby" and long distance rates are based on

1-minute and 3-minute units. Consult your directory or

phone company before calling, to get the lowest rate.

23. If you dial a number often that does not appear in

your current phone directory, jot it down instead of

dialing Directory Assistance each time.

24. Anticipate the number of calls you make each month.

Then talk to your phone company and select the most

economical type of service.

25. Have all family members included under one directory

listing.

26. Don't permit guests or business associates to use

your phone to make personal long distance calls.

27. If you use your residence phone for business

purposes, you may be able to deduct a portion of your

phone bill for business purposes. Check with your nearest

Internal Revenue Service office.

28. Residence phone rates are generally less than

business phone rates.

29. Pay telephone bills promptly. If you become

delinquent, your phone may be disconnected. A charge will

be made later to restore service.

30. Instead of an extension phone, have a longer cord

installed on your phone.

31. If possible, call long distance "collect".

 

55 SAFE & LEGAL DEDUCTIONS TO SAVE ON TAXES.....

#FMF-08

1. Cost of having a tax return prepared the previous

year.

2. Dues to professional societies and subscriptions to

professional journals.

3. Medical insurance premiums.

4. Union dues and expenses.

5. Liquidated damages to a former employer, such as for

a broken contract.

6. Gambling losses. (However, winnings are taxable).

7. Money given to non-profit charities.

8. Cost of uniforms and/or special clothing required on

the job.

9. Special shoes required for your job.

10. Special tools, equipment and supplies necessary for

your job.

11. Credit for political contributions.

12. Credit for care of a child or dependent.

13. Earned income credit (for low income workers).

14. Energy tax credit, for making energy efficiency

improvements to home.

15. Charitable gifts such as clothing, furniture, real

estate, etc.

16. Doctor's, dentists, hospital bills.

17. costs of prescriptions, drugs.

18. Expenses for eyeglasses, hearing aids, dentures,

contact lenses, etc.

19. Employment agency fee when looking for work.

20. Moving expenses, when necessary for business related

reasons.

21. Fees for books, newsletters, seminars, etc., that

give tax advice.

22. Upkeep expenses (including laundry, cleaning) for

uniforms, work clothes.

23. Protective clothing such as safety shoes & glasses,

hard hats, etc.

24. Appraisal fee to determine amount of loss for

casualty or theft deduction.

25. Appraisal fee to determine market value of property

claimed as deduction.

26. Home telephone expenses relating to your job,

including long distance.

27. Customer entertainment.

28. Professional licenses.

29. Malpractice insurance (as in case of nurses, doctors,

etc.)

30. Investment expenses for advice paid to banks,

brokers, advisors, etc.

31. Travel expenses to consult with broker, to do

investment research, etc.

32. Cost of safety deposit box rental.

33. cost of preparing, typing, printing, mailing, etc.,

job resumes.

34. Cost of seminars, books, classes, etc., on how to

write a job resume.

35. Travel and transportation expenses necessary for

finding new employment.

36. Meal and lodging costs when necessary for finding a

new job.

37. Cost of education required by your employer for

keeping your job.

38. Cost of education to improve skills required in

performing current work.

39. Donations to churches, religious, non-profit

organizations.

40. Losses caused by accidents, storms, floods, thefts,

etc.

41. Elective surgery such as face-lifts, breast implants,

thigh-tapering, etc.

42. Acupuncture.

43. Laetrile, in states where it is legal.

44. Psychiatric and psychological care and treatment.

45. Transportation to and from places for medical

examinations, treatments, etc.

46. Sales taxes, including big-ticket times such as car,

boat, etc.

47. Mortgage interest.

48. Interest on credit card and department store charges.

49. Interest on loan purchases, such as automobile.

50. Closing costs when selling home & moving, for

business related reasons.

51. Capital gains and losses.

52. Personal retirement plans such as IRA and Keogh

plans.

53. Personal property taxes, state and local taxes.

54. Real estate taxes.

55. Alimony.

NOTICE: This list was accurate at time of publication.

Contact nearest IRS office for current information and any

recent changes in tax laws.

 

 

 

42 MECHANICS WAYS TO MINIMIZE AUTO REPAIRS.....

#FMF-09

While most Americans neglect their automobile, the average

U.S. car life is about 10 years (or 100,000 miles). With

proper maintenance, you can double and even triple your

car's life . This check list tells you what to do.

A. Every two weeks:

1. Check engine oil. Add oil if needed. Use correct

viscosity.

2. Check radiator coolant level. Add water or

anti-freeze if necessary.

3. Check paint for deep scratches, chips, rust. Repair

any damage.

B. Once a month:

4. Check air pressure in all FIVE tires. Add air if

required.

5. Check battery fluid (in UNsealed batteries). Add

water if necessary.

6. Check fluid in power-steering pump reservoir. Add

fluid if needed.

C. Every 3 months or 3,000 miles (whichever comes first)

:

7. Change entire oil.

8. Change oil filter.

9. Check automatic-transmission fluid level and

condition. If necessary add additional fluid.

10. Check all drive belts (fan belts) on engine. Replace

any if needed.

11. Adjust drum brakes with manual adjusters.

D. Every 6 months or 6,000 miles:

12. Check carburetor. Replace or make adjustments if

necessary.

13. Check pollution-control equipment. Make any

adjustments if needed.

14. Replace spark plugs.

15. Check clutch free play. Adjust if required.

16. Check oil in differential and manual transmission.

Ad oil if needed.

17. Check brake fluid level in master cylinder reservoir.

Add brake fluid if necessary.

18. Rotate the tires.

19. Have headlights aimed.

20. Check air condition sight glass (if any). Add

refrigerant if required.

21. Lubricate all locks and hinges.

22. Grease all chassis fittings.

23. Wax car body.

E. Every 12 months or 12,000 miles:

24. Inspect brake linings. Replace if necessary.

25. Time for major tune-up. Replace points, plugs,

filters, plus adjustments to carburetor, ignition system

and pollution-control equipment.

26. Repack wheel bearings.

27. Replace all air filters.

28. Replace all fuel filters.

29. Flush radiator and heater core. Replace antifreeze.

30. Have front-end alignment checked and corrected if

needed.

31. Replace windshield wiper blades.

32. Clean crankcase breather cap.

33. Tighten bolts on engine manifolds.

34. Have automatic transmission bands adjusted (if

possible).

35. Adjust valve clearance (if required on your car).

F. Every 2 years or 24,000 miles:

36. Replace PCV (positive crankcase ventilating) valve.

37. Bleed brake system and replace brake fluid.

38. Replace automatic transmission fluid and filter.

G. Every 3 years or 30,000 miles:

39. Replace all cooling system and heater hoses.

40. Replace oil in differential and manual transmission.

41. Test ignition cables and replace if needed.

H. Every 50,000 miles:

42. Replace catalytic converter (on cars so equipped).

 

36 BUTCHER'S SUGGESTIONS FOR CUTTING MEAT BILLS.....

#FMF-10

1. Buy a good cookbook. Familiarize yourself with

cheaper meat cuts.

2. Have at least one meatless day each week - serve

substitutes.

3. Trade budget-stretching meat recipes with friends,

neighbors, relatives.

4. Avoid expensive canned and frozen "convenience"

meats.

5. Watch ads & stock up on genuine meat bargains. Keep

your freezer full.

6. Buy meats in economy "family-packs" when possible.

Divide and freeze for specific uses.

7. Stretch hamburger meat by adding bread crumbs,

chopped onion, egg and seasonings. Shape into patties and

grill.

8. Buy beef by the "half" or "quarter". Have it

professionally cut and store in your freezer. Sell or

trade excess with your neighbors.

9. To avoid excessive shrinkage and waste, cook

long-cooking meat over low or moderate heat or in 325

degree oven.

10. Use a meat thermometer to determine doneness. This

prevents overcooking, shrinkage and drying out of meat.

11. Well trimmed meat weights less, costs less. Shop

around and find the markets that do the best trimming job.

12. Extend meat loaf and other ground-beef dishes with

mixed vegetables, mashed white or sweet potatoes, rice or

pasta.

13. Reduce amount of meat in such recipes as stews,

casseroles, chili and spaghetti sauce. Increase sauce and

vegetable.

14. For freshest meats, shop early on days when stores

are busy - generally mid to end of week. Avoid mornings

after long weekends.

15. Stir-frying stretches meat and it's fast too. To cut

into thinnest slices, partially freeze the meat. Use

round and flank steaks.

16. Use "chunky" style soups over potatoes or pasta in

place of meat.

17. Substitute small bone chuck steak for sirloin or top

round. Sprinkle with meat tenderizer before broiling or

barbecuing.

18. Rush purchased meat to refrigerator or freezer to

avoid spoilage.

19. To avoid wasting hamburger, freeze as patties instead

of as a chunk.

20. Save tough rinds from ham, bacon or hocks. Tuck into

potato, rice or noodle casseroles & bake for meaty flavor.

Discard before serving.

21. Unless you want the bone for soup, a boneless ham

usually costs less.

22. Save & freeze all meat bones and trimmings. Use in

soups and stews.

23. Buy large cuts of meat (chuck & pork roasts; thick

steaks & ham), when on sale and cut up for a variety of

uses.

24. Marinate, tenderize or braise less tender cuts of

meat before cooking.

25. Try less expensive "organ" meats: liver, heart,

brains, kidney, tripe.

26. Buy luncheon meats unsliced in a chunk. slice them

yourself & save.

27. Buy bacon ends in economy sizes; divide and freeze.

Cook, then combine with scrambled eggs - much cheaper than

perfectly sliced bacon.

28. Get acquainted with your market's meat cutter. He

can alert you to unadvertised specials and give you good

cooking and saving tips.

29. Slice roasts and ham thin. Two thin slices look like

more on the place than one thick one.

30. You require less ground-meat mixture per serving if

you use it to stuff tomatoes, green peppers, cabbage

leaves and any type of squashes.

31. To avoid "freezer burn", which dries out and toughens

meat, rewrap all market-packaged meats in airtight freezer

wrap.

32. Save cooking liquid from New England boiled dinner,

smoked pork shoulder or brisket. Use for lentil, pea,

potato or barley soup.

33. Save all scraps of meat leftovers. Then grind or

chop them & mix with salad dressing, relish, celery &

onion for sandwich spreads and dips.

34. Make gravy from drippings. Serve on biscuits, toast,

pasta, rice, etc.

35. Dice cooked meat leftovers, mix with barbecue sauce &

serve in buns.

36. Save on "outdated" meats, but freeze or serve as soon

as possible.

 

57 WAYS TO REDUCE HOUSING & HOME EXPENSES.....

#FMF-11

1. Consider buying an old, inexpensive house &

modernizing it yourself.

2. Check firms that build the house's exterior and you

do the inside work.

3. give thought to living in a mobile home or modular

housing.

4. You can save substantially by learning how to

conserve home energy.

5. Insulate your home yourself & you may be entitled to

a large tax credit.

6. Use solar energy in your home & reduce conventional

energy expenses.

7. Pay property insurance premiums annually for

substantial savings.

8. Moving costs may be tax deductible, if it was done

for business reasons.

9. If necessary, add extra rooms instead of looking for

a larger house.

10. Keep your home in good condition. It will insure top

money when selling.

How to save on home repair bills......

11. Practice preventable maintenance. Take good care of

what you have.

12. Get an illustrated manual & learn to repair most

common problems yourself.

13. When needed, ask friends & neighbors whom they

recommend for repair work.

14. Always get competitive bids for larger repair jobs.

15. Before hiring a firm, ask for names of their

customers you can contact.

16. If a loan is required for repairs, shop round for

lowest interest rates.

17. Borrow money for the shortest period possible.

18. Use reputable firms. Check with Better Business

Bureau if necessary.

19. Establish a good trusting relationship with a

reliable repair service.

20. Get a signed cost estimate before repair work is

started.

Where to find the best home bargains.....

21. Discount stores.

22. Auctions.

23. Catalog stores.

24. Garage sales.

25. Flea markets.

26. Thrift stores.

27. Classified ads. (You'll get a better bargain from

private owner, than from a store).

28. Sales and clearances of reputable stores.

29. Look for "floor samples" and "demonstrator's models

30. Shop for discontinued models and "slightly damaged"

merchandise.

31. Buy "unclaimed" and "repossessed" furniture at

warehouse sales.

32. Buy unpainted furniture and finish it yourself.

33. Try to buy wholesale. Some manufacturers have

"wholesale outlets".

34. Consider working a swap with friends, relatives,

neighbors.

How to buy furniture, appliances, furnishings

intelligently........

35. Before you buy, ask yourself, "Do I really need it?"

36. Shop around before you decide. Become an expert

comparison shopper.

37. Ask around. Talk to others and ask their

experiences, suggestions.

38. Go to the local library and read. Check out recent

articles on the subject.

39. Is the merchant reliable in case you have any

problems later?

40. Never sign contracts or agreements until you know

what you are signing.

41. If you buy on credit, keep a written record of your

spending in your wallet.

42. Use charge cards only if you pay bills before

interest is added.

43. Buy only low-energy, high efficiency appliances.

44. See if you can "make do" with what you have.

45. When ordering carpeting, ask for broadloom remnants

and save about half.

46. Make some items yourself, such as curtains,

draperies, bedspreads, etc.

47. Buy radios and TV's during January & May sales.

48. February & June are good times to buy bedding, floor

covering, furniture.

49. Shop March & July for good buys on washers and

dryers.

50. Buy rugs during August and October sales.

51. Stock up on household linens during the months of

January, May & August.

52. March is a good month to buy a house, right after

school vacation starts.

53. Buy a kitchen range, paint & wallpaper during April

sales.

54. March is a good month to select a new air

conditioner.

55. January sales are good for buying small appliances,

blankets, quilts.

56. Buy housewares in Feb., Sept.; china & glassware in

March & Sept.

57. Buy fabrics in Jan. & October; storm windows in June

& July.

34 LEGAL METHODS TO CUT HIGH POSTAGE COSTS.....

#FMF-12

1. For local messages, telephone instead of sending a

letter.

2. Use postcards as often as possible. Sane on stamps

AND envelopes.

3. Don't buy stamps from vending machines where a

service charge is added.

4. If you operate your own business, remember that

postage is tax deductible.

5. Pay local bills in person instead of mailing them.

6. Save postage stamps off your incoming mail. Then

sell them at flea markets, garage sales, neighborhood yard

and tag sales, etc.

7. Use 3rd class mail when speed isn't important and

pocket big savings.

8. Don't "overstamp" your mail. Purchase an inexpensive

postal scale or have your local Post Office weigh your

mail for you.

9. When sending 1st class mail, remember that while the

first ounce requires a 1st class stamp, additional ounces

cost less. Pick up a postal rate guide from your local

Post Office.

10. Post Office "stamped" envelopes are expensive. Save

by buying packets of envelopes from variety and discount

stores.

11. Don't pay extra for "airmail" between distant points

in the U.S., Canada and Mexico. All such mail is

automatically sent via air at 1st class rates.

12. Always use your zip code on your mail for faster

delivery. If you don't know the zip code, your local Post

Office can look it up for you.

13. If speed and timing is important, deposit your mail

early in the day.

14. If you have special instructions such as "Special

Delivery", mark this plainly on all letters and packages,

in big letters for all to see.

15. Pay bills by personal checks. It is less expensive

then Postal money orders.

16. Avoid ordering merchandise via "C.O.D.". The C.O.D.

charge is generally added to the cost of your order.

17. When insuring a package or letter, insure it for its

value only - and no more. If it is lost, you will be paid

for the actual value only.

18. Use "Special Delivery" during nights and weekends

only. During the week, Special Delivery is handled the

same as regular first class mail and given special

attention at the destination only.

19. Never spend on "Special Delivery" mail sent to a Post

Office box.

20. If your require proof of delivery, use "Certified"

mail instead of more expensive "Registered" mail.

21. When mailing large quantities of identical "printed

matter" mail, investigate "bulk mail" rates. Inquire at

your local Post Office.

22. When shipping parcels, compare rates charged by other

carriers such as United Parcel Service, Greyhound, freight

companies, etc.

23. When mailing books, use the lower 4th class "book

rate".

24. Reweigh "Postage Due" mail in the event an error has

been made.

25. Avoid using odd-shaped "non-standard" size envelopes.

The Post Office charges extra if envelopes do not conform

to certain size specifications.

26. When mailing printed matter overseas, use the lower

"surface rate" and write "Printed Matter" on the envelope,

if airmail isn't necessary.

27. Never mail cash. If it gets lost, you have no proof

that it was sent.

28. Be sure that your return address is on all outgoing

mail. It will be returned to you it it is undeliverable

and sent via first class.

29. Save time! (Time is money!) Buy larger quantities of

stamps at one time and avoid standing in long Post Office

lines often.

30. Use large brown grocery bags for wrapping packages

instead of buying sheets of wrapping paper. Use saved

string and twine for this same purpose.

31. When shipping fragile items, decrease shipping weight

by using popped corn as the packing material, instead of

heavier crumpled newspapers.

32. Let postal workers suggest other methods for saving

on postage costs.

33. Check your Christmas card list carefully and

eliminate unnecessary names.

34. When buying sheets of stamps, save the corner "plate

number blocks". They could increase in value and make

excellent future "investments".

 

45 TESTED SECRETS TO HELP SAVE ON VACATIONS & TRAVELING...

#FMF-13

1. When vacationing, save on transportation by staying

close to home.

2. Save on film developing and printing by ordering from

mail order firms.

3. Look for banks that offer traveler's checks as a free

service.

4. If you decide to take an ocean cruise, take a "no

frills" freighter.

5. Save on air fares by making arrangements ahead of

time for special discounts.

6. You can also save on air fares by taking night

flights.

7. If possible, vacation during the "off season" when

prices drop.

8. If handy with a sewing machine, make your family's

vacation clothes.

9. Eating away from home can be expensive. Travel with

packaged snacks purchased from supermarkets along the way.

10. Discontinue newspaper deliveries while away from

home.

11. Never travel on credit unless you can pay the bills

when due.

12. Rental cars are costly. If possible, drive your own

car while on vacation.

13. Consider sharing vacation homes. It's less costly

than hotels/motels.

14. Investigate "budget motels" that charge less. Get

details from library.

15. A "camping" vacation is fun and inexpensive.

National parks, forest service campgrounds, etc., let you

camp free or for just a small fee a night. Some even

operate "rent-a-tent" programs.

16. Plan in advance. Take proper clothing along for the

climate you will be experiencing so you won't have to

spend vacation money on new clothes.

17. Never borrow to pay for your vacation.

18. On business trips, keep records & receipts for all

deductible expenses.

19. Use toll-free "800" phone numbers to handle your

accommodations. Airlines, railways, bus lines, hotels,

motels, car rental chains, etc., will pay for your calls

when you make reservations.

20. Consider staying at inexpensive hostels. All you

need to bring is your own bath towels and bed linens.

They accept all age groups. For information contact:

American Youth Hostel, 1332 I St. N.W., Washington, D.C.

20005.

21. If you select accommodations with cooking facilities,

you will be able to save considerably on a major expense:

food.

22. When sending picture postcards, use the correct

postage.

23. Vacation on a budget...and STICK TO IT!

24. Buy "practical" souvenirs that won't end up at future

garage sales.

25. When traveling with pets, take along a good supply of

their favorite foods.

26. Travel with a portable electric iron for quick,

no-cost press jobs.

27. Carry a hot plate for fast, economical hot snacks.

28. Pack wash 'n' wear clothes and use coin operated

laundries.

29. Many wash 'n' wear items can be washed by hand in

your motel room.

30. Enjoy picnic-style meals in public parks. Buy food

at supermarkets.

31. Carry a small sewing kit for minor clothing repairs.

Also spot remover.

32. Pack shoe polish and shine your own shoes.

33. Take advantage of the free tourist attractions in

cities and tourist areas such as free gardens, museums,

restored villages, monuments, etc.

34. Pack a small first aid kit and save on minor scrapes,

cuts, bruises, etc.

35. Have an auto checkup from a reliable home-town

mechanic before you leave.

36. Leave pets with friends instead of boarding them at

kennels.

37. Take advantage of hotels/motels offering special

"family rates".

38. Keep tank filled so you can shop around for lowest

gasoline prices.

39. Check ahead and reserve the most inexpensive

accommodations.

40. You may be able to if your phone is disconnected

while away.

41. Turn off the gas while away from home; also electric

water heater.

42. On business trips, keep mileage record & gas receipts

for tax purposes.

43. If you have friends or relatives in your vacation

area, stay with them.

44. Consider renting an inexpensive camper or mobile

home.

45. consider staying home & doing all the things you

never had time to do.

47 PROVEN WAYS TO ECONOMIZE AT HOME EVERY DAY...

#FMF-14

1. Wash and reuse foil wrap.

2. Save "junk mail" reply envelopes for filing recipes,

receipts, etc.

3. Trade things you don't want with friends, neighbors,

relatives.

4. Restrict family between-meal snacks to inexpensive

and healthful in-season fruit and vegetables, home-popped

corn, raisins, etc.

5. Become a "brown bagger". Take your lunch to work.

6. Save and reuse plastic sandwich bags and paper lunch

bags.

7. Tie soap remnants in a piece of nylon net and use as

a body sponge.

8. Crumpled up used aluminum foil is ideal for scouring

pots and pans.

9. Paper towels are expensive. Use washable cloth dish

towels instead.

10. Wash and reuse transparent plastic wrap.

11. Save empty plastic food containers for storing

leftovers & freezer use.

12. Don't throw away anything. Save everything for a

future garage sale.

13. Attend movies early when prices are generally lower.

14. Don't buy expensive gifts. Give exotic home grown

plants or bake a cake.

15. Give yourself a home permanent instead of paying top

prices at a salon.

16. Consider cutting your family's hair yourself.

17. Use plastic bread wrappers and produce bags for

freezer use.

18. Use washable cloth handkerchiefs instead of expensive

facial tissues.

19. Organize a baby-sitting club with friends &

neighbors. Take turns.

20. Think in terms of doing it yourself rather than

hiring someone to do it, such as home repairs, painting,

garden work, cutting the lawn, etc.

21. Swap services with friends and neighbors who can do

things you can't.

22. Take advantage of free recreation, such as picnic

areas, libraries, public tennis courts, swimming areas,

parks, zoos, etc.

23. If you're not going out to shop, leave your credit

cards at home.

24. Learn about the many bargains at "no frills" discount

stores.

25. Avoid spending on "throwaway" items such as

disposable razors, flashlights, pens, toothbrushes, paper

cups & plates, diapers, cigarette lighters, etc.

26. For parties, use reusable plates, cups, glasses,

utensils, napkins-instead of expensive paper and plastic

disposables.

27. Pay credit card charges when they become due so

interest isn't added.

28. When buying big-ticket items, learn all about them

from consumer magazines and guides before you buy. You

will be less apt to make a bad choice.

29. Garage sales and flea markets are excellent for both

selling and buying.

30. Start your children earning money at an early age.

31. When buying insurance, pay the premium annually.

It's less expensive in the long run than paying monthly,

quarterly or even semi-annually.

32. Check all monthly bills closely, including your bank

balance. Big companies can and do make mistakes.

33. Examine your check at restaurants to make sure no

error has been make.

34. Buy things out of season for big savings, such as

after Christmas.

35. Grow your own herbs and spices in window-sill flower

pots.

36. Coffee is expensive. Brew only as much as your

family will drink.

37. Save and sell recyclable materials such as aluminum,

paper, etc.

38. Don't spend for extra ice cubes. Store them in

plastic bags in the freezer.

39. Bread becomes stale more quickly in the refrigerator.

Store it at room temperature or in the freezer.

40. Learn about auto upkeep and how to do minor repairs

yourself.

41. Don't look for a new apartment until after the peak

renting season is over.

42. Instead of buying gorgeous house plants, get cuttings

from friends.

43. If you need a lawyer, carefully investigate his fees

in advance.

44. Be wary of banking gimmicks. Be sure you get the

best deal in town.

45. Shop at discount and variety stores for biggest

savings on cosmetics.

46. Dilute your shampoo with small amount of water - for

easier rinsing.

47. Before buying anything new, ask yourself if you

really need it.

44 AUTO DEALER'S TIP FOR CHOOSING THE BEST USED CAR...

#FMF-15

1. Examine the car's exterior thoroughly. Look for

rust, dents and evidence that portions of the car have

rusted out and been repaired with body putty.

2. Look under car for breaks in the frame and signs that

frame has been welded.

3. Check for excessive rusting of frame.

4. Examine condition of muffler, tailpipe and exhaust

pipe.

5. Look for signs of oil or transmission fluid leakage

under the car.

6. Check for signs of fluid leakage from shock

absorbers.

7. Examine condition of tires, including inside

surfaces.

8. Look for signs of brake fluid leaking on the inside

of tires.

9. Walk around the car and check the condition of window

glass.

10. Examine the condition of lenses of all lights -

front, back and sides.

11. Test all lights to make certain they are functioning

- headlights, taillights, flashers, backup lights, brake

lights, turn signals, etc.

12. Push down on the corners of the car, front & back, to

check the shock absorbers. If the car bounces up & down

several times, the shocks are worn.

13. Stand back and see if the car is level. If not, the

springs may be weak.

14. From a distance, look for evidence of an accident,

dents, paint that doesn't match, ripples in the fenders,

etc.

15. Check the spare tire. If it is cupped or worn

unevenly, something may be wrong with the front end and a

front tire is being used as a spare.

16. Make sure the car has a jack and that it is in good

working condition.

17. Lift the hood of the car & examine the condition of

the belts & hoses.

18. Check the battery to see if it is cracked.

19. Pull out the oil dipstick to see how dirty the oil

is.

20. Check stickers (on doorposts or under hood) to see

when the car had its last oil change & lubrication, and

whether it was serviced regularly.

21. Examine the upholstery, safety belts and carpeting.

22. If the car has seat covers, look under them for wear,

tears, dirt.

23. Badly worn carpeting or upholstery may be a sign of

heavy vehicle usage.

24. Check the break pedal for free play.

25. Turn on all the lights one at a time and check to see

they are working.

26. Take the car for a test drive over various types of

roads.

27. While on the road, test the brakes for pulling.

28. Be alert for vibrations during the drive, for signs

of front-end trouble.

29. If the car has manual transmission, be alert for

excessive play, grabbing or rattling of the clutch.

30. Look for vibrations or unusual noises from the

engine, transmission, rear end or wheels, that may be a

signal of trouble.

31. Push the gearshift through its various positions and

see how the car reacts.

32. Let the engine idle and be alert to noises or

vibrations that could indicate a badly tuned engine or one

with bad valves.

33. Be alert for any unusual odors. These could tell you

that all is not well.

34. If the automatic transmission doesn't shift smoothly

or is there is hesitation when it shifts, the transmission

may be in need of repair work.

35. When test driving, step on the gas & look into the

mirror for smoke from the exhaust. White or bluish smoke

may mean an overhaul is needed.

36. Check to see how much power the car has on a hill.

37. Turn on the heater to see if it works.

38. Check out the air conditioning to see if it is

working.

39. Turn on the radio.

40. Try the windshield wipers.

41. If possible, run the car through a car was to see if

it leaks.

42. If possible, before you sign on the bottom line, have

your own mechanic check out the car or take it to a

diagnostic center.

43. Never buy a used car at night, in the rain or when

you are in a hurry.

44. Have the man in charge put in writing & sign all

promises BEFORE YOU BUY!

_