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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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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!
SPECIAL BONUS OFFER!...Order all 15 reports for just $20
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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
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for at least $20.00!! As a "Publisher", your profits can
be 97% and MORE! What an opportunity!
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INFLATION FIGHTERS
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Published by: Infopreneur Publishing, 3755 Avocado
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This information is valuable. Keep it in a safe place.
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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
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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
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2. Insert the copyrighted circular into all of your
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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
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inquiries. Here is the type of ad to run:
EARN OVER $19 ON EVERY $20 SALE! Sell information by
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and address here).
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directly from small classified and display ads. To use
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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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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!
_