Lower your monthly bills and save money.

Standard Phone Bill

1. You can lower your phone bill by reviewing the local calling plan that you are on, and making sure that it makes sense for you. Do not get your long distance with your local phone company. There are other sources for long distance at substantial savings. Pioneer Telephone is one such low cost long distance company. Click here for Pioneer Telephone's Website.
2. Consider going without a standard phone, and just using your cell phone. Your dish cable service, dvr, dsl, or other device may rely on your standard phone service, so be sure to check that out before canceling.
3. Consider an internet phone. If you already have cable internet, a cable internet phone may be a good choice. Comcast and other offer this service for around $33 to $40 per month. Internet phone service comes with a lot of bells and whistles.

1. Lower your fuel costs with a Credit Card that Pays 5% cash back on your gas purchases. Make sure to pay off this card every month, because it will likely have a higher rate than cards that do not offer cash back. Discover card has a "Open Road" card that pays 5% cash back on gas and auto repairs.
2. You can also lower your fuel costs by checking sites such as www.gasbuddy.com
3. One trend in the gas station business is that they raise their prices on Thursday during the day. They raise their prices in anticipation of increased weekend demand. Take advantage of this little known trend by filling up on Thursday mornings. This is almost always the cheapest time during the week to fuel up.

1. Utility Costs have been on the rise in recent years. If you are low income or a senior, call your utility companies and ask them if they have any discounts that would apply to you. Many utilites have programs to help low income and senior citizens with these risng costs.
2. Switch to Compact Flourescent Bulbs. If you haven't done so already, switch to the new energy efficient bulbs. These light bulbs will pay for themselves in a few months in the form of lower electricy costs. These bulbs last much longer than standard bulbs. The pricing on CFL's has come down dramatically. If you can find them for under $2 each, then that is a good deal. They can be found on www.ebay.com for a reasonable price.
3. When you buy a new appliance, check with your utility to see which appliances qualify for rebates.

1. You can call your cellular provider and ask them to look at your bill. Ask them if they see any opportunity for savings. See if you can change your plan without extending your contract with them.
2. Compare apples to apples cell phone plans online. It is impossible to go from store to store and remember all the different terms and plans that the various cell phone providers offer. Use a comparison website such as LetsTalk.com to compare plans in the comfort of your own home. Often times you can get better pricing on phones, accessories, and you have access to the full plate of plans and specials.
   
   


3. If you do find yourself in a retail cell phone store ready sign up for a two year plan, here is a hint. Try to negotiate a better deal on the price of the phone by purchasing a bunch of accessories. This will work most of the time. Then simply come back a day or two later and return the accessories. In most cases you will get credit for the full value of the returned accessories.