Save at the PUMP

When

• Fill up first thing in the morning. You will receive more gasoline when the air, ground, and gasoline are cooler because there is less evaporation.
• Fill up when you find a REALLY good price even if you don't need to fill the tank.
• Fill up when your gauge reaches ¼ full (and not less) to avoid damaging your fuel pump.

Where

• Avoid stations that have just had their tanks filled. The sediment that is stirred may find its way into your tank and clog your filter.
• Buy where the price is lowest without regard to the name on the sign- the gas is all the same from station to station.
• Consider joining a membership club that sells fuel; their prices are often lower than traditional stations.

How

• Purchase the lowest octane recommended for your vehicle.
• Pay cash. Some stations are charging more for credit and debit card transactions on fuel purchases. This may amount to a of 10 cents more per gallon for regular or as much as 70 cents more per gallon for premium.
• If you pay by credit card, make sure that the price on the pump remains the same after you swipe your card AND check your receipt (always get one). Stations can charge more for credit purchases, but they are REQUIRED to clearly post those prices. If you are charged a different rate, complain immediately and get your money back. You can (and should) report the station to your local business regulators.

Save at the SUPERMARKET

Coupons

• Get your local paper and cut out coupons for products that you actually use.
• Don't toss coupons that are valued at lower amounts. Many stores will actually double coupons that are valued 50(cents) or less.
• Use online resources that allow you to print coupons on your computer's printer (see the left column for resources).
• Go to your favorite brands websites and sign up to receive their coupons by email. Sometimes they will even send you free samples of new products for you to enjoy.
• Pick up store coupons available near the store's entrance for extra savings.

Weekly ads

• Most grocery store chains will allow you to view their weekly ads online. See what's on sale and generate meals based on those items.
• Many stores will offer buy one get one free deals. Some stores will allow you to buy one at half price; others will require you to buy two to get the deal.
• Additionally, use coupons on items that are on sale or BOGO to maximize savings.

Make a list

• Generate a grocery list for the week and stick to it at the store. This may be easier if you go shopping alone.
• Avoid picking up items at the check out. They are there for impulse buyers- if this describes you, reform.

Save on CLOTHING

Traditional retailers

• Shop sales at your favorite retailers instead of paying full price.
• Make a list of items you NEED and sick to it (save the wants for special occasions).
• Retailers take deep discounts at the end of the season; buy ahead for the following year when you can.
• Many department and smaller retailers have special shopping days for friends and family. Get to know the sales staff in the stores you shop most often to ensure you're always in the know.
• Sign up to be notified via email for special discounts and promotions.

Consignment shopping

If you live near a metropolitan area (big or small), there are probably several consignment stores in your area. Unlike a thrift store, consignment shops feature new clothing in addition to those that are gently used. Many will only accept “better” brands that are sold for a fraction of their original prices.

Once you find a consignment store that you like, let the owner or staff know what brands like and the sizes you need. They are usually happy to keep a note card with your preferences and will give you a call when they get something that you may be interested in purchasing.

Look online for seasonal consignment events. Churches, organizations, and entrepreneurial moms all hold seasonal consignment events- usually in the fall and spring. Some of these attract as many as 750 consignors! The advantage of these types of sales is that there is usually a lot of merchandise from which to select. Additionally, they will be for the upcoming season as well.