How To Get Freebies

The Internet has a plethora of fabulous freebies. But you have to understand that nothing is ever really free. You have to give up something “ usually personal information “ so it's a trade-off. However, there are ways to get around somewhat anonymously while still collecting free stuff.

When applying to receive stuff for free, contests and refunds, many times you will be automatically signed up to receive notices about more special offers and sweepstakes, so create and use a throwaway email account to reduce spam. Despite privacy policies that require you to jump through a number of hoops, marketers often sell your email address and other personal information to third parties who will send you all sort of interesting and unwanted offers. Once you start getting too much junk mail at that email address, simply get another one and start over.

You also need to have a separate PO Box to use specifically for junk mail. Whenever you need to give out an address online or elsewhere that you are not sure how it will be used, give them your junk mail address. Then if turns out to be a legitimate sender, you can always change it. And never give out your phone number. If a marketer insists on having it, enter enter your area code and then 555-1212 (which is the number for information) or 987-6543 (counting backwards).

Often you will be asked to complete an offer, which may entail receiving a free magazine for a couple of months or applying for credit. Look the offers over carefully before signing up and remember to keep track of opt-out dates so that you can cancel an offer or subscription before you are charged for anything.

Some freebie offers will ask you to pay for shipping and handling, which I consider to be fair so long as the costs are not exorbitant. Just use your best judgment when applying for offers, and if you are ever in doubt - don't do it! If you need to pay for shipping and handling, be sure to use a credit card and not a debit card “ unless it is a PayPal account. PayPal offers consumers a lot of protection and if you keep only a minimal amount of money in the account, con artists are not able to take out what isn't there.

Free Grants

None of these Government Grants require a credit check, collateral, security deposits or co-signers, you can apply even if you have a bankruptcy or bad credit, it doesn't matter. Its Free Money Never Repay!

The Federal Government is Giving out over 155.5 billion dollars in Business Grants!

Receive Government Small Business Grants for virtually any type of business. Whether it is to start a business or expand your existing business there is money for waiting just for you. The Federal government provides this money to help existing small business owners and those who want to start their own business change their lives and achieve financial independence.

The United States Government wants your Small Business to succeed and you will be amazed at the lengths they will go to help ensure your success. There are State of the art software programs available that can aid you in locating the perfect grant or grants for your small business!

Once you find the programs for Small Business Grants that fit your needs you need to complete the application. 

Learn about complicated Tax Refunds or Tax Credits. These are programs largely overlooked by the Small Business owner. At tax time these special incentive programs can (depending on the size of your business) save you tens of thousands of dollars!

Thought Affirmative Action was dead? If you did you thought wrong. Though many of the catch phrases are no longer in use most of the money that was available still is.

Every year Congressmen and Senators make promises to the people that put them in office. Many of those promises are made to minority groups in specific areas but most are made at a National level.

There are also Reserved Free Government Cash Grants now available for the following special interest groups. American Indians, Veterans, Family Members of Veterans, Low Income Families, Community Block Grants, Non Profit Organizations, First Time Home Buyers, Artists, Musicians, Nurses, Teachers, Researchers, The Disabled, People Suffering From HIV and AIDS, Substance Abuse. There are literally Millions Available; All you have to do is ask!

Can You Imagine receiving:

One Billion Dollars in Minority Business Grants for business start up!

Millions in Minority Business Grants to expand your existing business!

Receive $8,000 in Minority Grant for Free Legal Advice!

Millions Available In Minority Grants for the purchase of your first home!

Receive $75,000 Housing Grant to Remodel Your House!

Receive $6,000 in Minority Scholarship Grants for College Tuition!

When was the last time somebody credible offered you thousands of dollars in free money? For most of us, that just doesn't happen every day, or ever at all, for that matter.

However, if you are considering purchasing your first home, there are very credible sources that genuinely do want to give you thousands of dollars in free money. Those sources are state and federal agencies, and the thousands of dollars of free money available comes to you in the form of a cash grant to help you buy your first home.

It is no secret that saving for a down payment and closing costs is the largest obstacle that first time home buyers must conquer. For millions of Americans, this obstacle is one that is nearly impossible to over come. After paying monthly rent, utilities, food, insurance, car payments, (as well as the high price of gasoline), clothing, phone bills, day care for the children, and many more recurring monthly bills, there is virtually no money left to set aside to save for a down payment for a future first home.

The federal as well as state governments recognize this situation and have created special programs for the very purpose of giving away money to help people in need buy their first home.

A reasonable person might assume that as soon as the money is available at the respective agencies, it is completely given away within hours, if not, days. It seems entirely logical that on the day the money becomes available hundreds and hundreds of people would line up just as fans do on the day that U2 concert tickets go on sale.

A reasonable person would be wrong.

Each year, the majority of state agencies do not completely exhaust their funding. For fiscal year 2006, only two states had requests in excess of their budget and ran out of money in their programs. For the first time home buyer, this is very good news. It means that there is currently money available to help you buy your first home.

The primary reason that the funding isn't exhausted every year is that the programs are not widely advertised. There are 3 ways you can learn about these programs: you can buy the information, you can contact your state representative, or you can go to a website that provides all the information for free.

Whatever method you choose, you stand to gain thousands of dollars in free cash assistance towards the purchase of your first home. Choose one method and take action. Today could be one of those very rare days that a credible source offers you thousands of dollars in free cash.

Free Car

Do you want to drive a new car for free? Get the car you've always dreamed of for free! How is this possible you ask?

Millions of people around the world today are getting paid to drive their wrapped vehicles. Wrapped vehicles are the newest form of advertising. The company you pick puts their logo on your car. That company then gets a mobile advertisement and you get a free car! Everyone comes out a winner!

Once you subscribe to Vehicles4Free.com you will be given access to companies all over the world that offer this amazing service. All that is required to get access is only a one-time fee of $27. Then just apply to the company that best fits you and the car of your choice. That's it you are on your way! These companies are waiting for you to apply right now!

Already have your own car? Not a problem. Get the car you are already driving wrapped with the same benefits.

Free Mailing Labels

Never Pay For Mailing Labels

Through many charities they offer you free mailing labels in hopes you will donate to them, and everyone needs to cut their costs somewhere. By all means, donate to them if you have the ability but sometimes people aren't always thrifty because they enjoy it, sometimes it's because you need to be. The organizations that I know of that offer free Mailing Labels are PETA (People for the Ethical Treatment of Animals) , War Amps, and SPCA (Society for the Prevention of Cruelty to Animals). They don't directly say they will send you labels, except for War Amps, but once you get on their mailing list they will send them too you. This year alone I must have received 4 packages of labels from PETA, 2 from War Amps (Ones were stickers, the others were Lick-N' Stick for Christmas). My mother found the one for the SPCA, and man are they cute, nice little doggies and kitties abound on these ones.

Go to Peta request a Vegetarian Starter Kit or any other of their free brochures and stickers and you will get labels.

Go to War Amps and request mailing labels and they will be sent to you within about 2 weeks.

As for the SPCA one contact them via any online contact form for your specific province and request them, that is what my mother did, they are worth the effort.

Free Software

Free software, as defined by the Free Software Foundation, is software which can be used, copied, studied, modified and redistributed without restriction. Freedom from such restrictions is central to the concept, with the opposite of free software being proprietary software and not software which is sold for profit, commercial software. The usual way for software to be distributed as free software is for the software to be accompanied by a free software license (or be in the public domain), and the source code of the software to be made available (for a compiled language).

To help distinguish libre (freedom) software from gratis (zero price) software, Richard Stallman, founder of the free software movement, developed the following explanation:: "Free software is a matter of liberty not price. To understand the concept, you should think of 'free' as in 'free speech', not as in 'free beer'". More specifically, free software means that computer users have the freedom to cooperate with whom they choose, and to control the software they use. The GNU Manifesto contains language that gives evidence of Stallman's initial confusion with the usage.

Most free software is distributed online without charge, or off-line at the marginal cost of distribution, but this is not required, and people may sell copies for any price. The capitalized term "Open source" is attached to a definition originally created in 1998 from Debian's free software guidelines. While most open source software is also free software and vice-versa, this is not always the case.

The free BSD-based operating systems, such as FreeBSD, OpenBSD, and NetBSD, use a similar definition of free software, but they differ in interpretation about copyleft. Users of these systems often see copyleft as being over-restrictive to the point of being an encroachment on their freedom.

"Freeware" is software made available free of charge, but is generally proprietary, as users do not necessarily have the freedom to use, copy, study, modify or redistribute it. Source code for freeware may or may not be published, and permission to distribute modified versions may or may not be granted, so freeware is gratis, and not libre software.

Free Cell Phone

With advancing technology, cell phones are becoming increasingly sophisticated by the day. Cell phones today come with a mind-boggling range of features. Research has shown that apart from the younger generation, most of the cell phone users don't use all the features on their cell phones. Increasing competition between both service providers and manufacturers of handsets has resulted in them offering a host of freebies to lure and retain customers.

One thing though should always be remembered about these free cell phone offers. Although they are named so, they don't come entirely free. After all, the companies are in the business for profit. Free cell phone offers still incur taxes and shipping fees. You may also have to shell out an activation fee that may sometimes cost you more than the handset itself!

When it comes to free cell phone offers, there are offers galore. One can get fabulous software developed specifically designed for mobiles. You can download this software. This free software usually is for games or is multimedia related. When it comes to games, the kind of free offers is enough to make your choice. These games are becoming the national pastime of entire nations. People are referring to these free games as free snacks. Such is their popularity. In case your cell phone is compatible, go visit online web sites and download the choicest games. You will never feel bored again.

One can also get fabulous offers on cell phone handsets either online or through leading retailers. If you are lucky, you may even get a free cell phone. But a word of caution here: most of these free cell phones have hidden costs involved. Free downloadable ringtones are the current rage, spanning across markets in every part of the world. You can now download your favorite ringtones from leading online websites, for free. Surf the Internet and ask your friends and local retailers, for fabulous free cell phone offers.

Maybe you have heard of different freebies on offer when you go in for a cell phone. They range from free games, free software, free ringtones and even a free cell phone handset. Now there are free prepaid cell phones; believe it. The competition is so intense among service providers and handset manufacturers that most of them are offering free prepaid as bait to lure customers.

Cell phones are standard accessories for a majority of people nowadays. There are varying categories of users. Some may make extensive numbers of calls, while others may not or may just use them for receiving incoming calls. Such customers can go in for prepaid, as it makes more sense to them. Service providers are targeting light users and teenagers, for they are ideally suited for prepaid wireless service plans. Prepaying up front for cell phone minutes, rather than getting billed every month, is a better option for light users. Prepaid has enabled most people who were hesitating in buying a cell phone. This is bait which most service providers use to lure these customers who are still on the fence. If you can get a free prepaid along with your handset, you can always go in for one. It makes for a good bargain.

You might have pay for the handset which comes along with the free prepaid as a package offer. And freebies are free only the first time around; once you have exhausted your talk time, you have to recharge. There is no other option. The entire package of a free prepaid along with a handset is an attractive proposition for most customers though. You can check with leading online merchants; there may be just a free prepaid plan waiting for you.

Free Entertainment

Many libraries carry movies on DVD, and most at least have documentaries. We 've even seen music videos on DVD in one library. The only cost? The time to get a library card.

Want free concerts? Festivals usually have some free musical entertainment. For example, the National Cherry Festival in Traverse City, Michigan has free entertainment every night during the week-long festival, including many recognizable bands and (often) a Beatles tribute band. Go to Google and type in "festival" and the name of towns around you to find these freebies.

Free Vacation

In Hawaii, Costa Rica or Colorado, someone is just waiting for you to come and stay in their house while they are away. You may have to water the plants, and even get the mail for them, but you get to stay in a beautiful home in a sunny place. Sometimes you even get paid for these vacations. The only catch is that to find these opportunities, you may have to subscribe to one of the newsletters that list them.

We camped for ten days in our van, at Williams Landing, east of Tallahassee, Florida, on Lake Talquin. It's a beautiful place, and even has hot showers. Our cost? Zero - and you can stay up to two weeks. There are many free campgrounds scattered around the country. To find them, buy a Woodall's directory from any large RV dealer. Camping can be an essentially free vacation if done right, because you may spend less than if you stayed home.

Cigarette coupon

Cigarette coupons are generally given out by sellers once a customer buys a particular number of cigarettes. They are also sometimes given out by guerilla marketing representatives, who hand out the coupons in bars as well as other adult social settings in an effort to get smokers to switch brands to their own specific brands. These coupons ensure that one doesn't pay the full retail price on the cigarettes the next time they wish to buy them. A coupon can offer free or discounted cigarettes. The coupons are redeemable only for a discount on a purchase, not for cash. They are generally redeemable in any shop selling the particular brand of cigarettes.

Many major cigarette companies offer coupons today. Some of the major cigarette manufacturing companies offering coupons are: Marlboro, Belair, Barclay, Misty, Basic, Pall Mall, Capri, Parliament, Carlton, Raleigh, GPC, Tareyton, KOOL, Viceroy, Lucky Strike, Virginia Slims, and many more.

Cigarette coupons are available in many places. They can be found in the weekend newspapers and supermarket flyers. Many websites offer free coupons once a person buys from their online stores. Websites and companies offer up to twenty dollars in savings when one joins their websites.

In some online stores, Marlboro cartons are available for $19.99 if bought after redeeming coupons. The online coupons can either be redeemed by simply typing a code or by printing them out to redeem them at a nearby store selling the particular brand of cigarettes.

However, the most definite way of obtaining cigarette coupons is to contact the company itself. Many cigarette manufacturers also maintain mailing lists to provide coupons to their customers.

Free Medication

Never Pay For Medications

While visiting my doctor recently, I went to see him about a Skin Condition I have and he asked me if I have a medical plan to pay for my medications, I told him no. So he went out of the room and came back with a couple of full-size samples of the medication I needed.

So yes, you can get free medications depending on if the doctor has them, this usually works for topical medications such as creams and salves, also on occasion for more popular diseases such as diabetes and arthritis they will have samples as well. Even if your doctor doesn't offer you a free sample, tell him you can't afford the medication, and more often then not they will supply you with a good amount of free meds. My doctor actually told me to come back when I needed more. Doctor's also have a supply of contraceptives for the amount of 1 month of a time available as a trial to the patient, be sure to ask for those as well if needed. This does especially work well if you are seeing a doctor in a hospital as they always have more.



Paid Survey

A paid survey is a form of research conducted by a market research firm in order to gather information about a specific product or information. Market research companies pay everyday people small sums of money for their participation in a paid survey.

Lately several websites have been popping claiming to pay up to $250 an hour for each paid survey. Advertisements like this mislead people into believing that paid surveys are a way to get rich. The truth is, you can make good money taking paid surveys online. But you will only be paid an average of about $5 per paid survey.

There are several paid survey sites that scam people into paying a fee to join their paid survey site. For the most part, these are a waste of money. Those are the sites that claim you can make hundreds for taking a paid survey. Those types of paid survey sites do not actually send paid surveys. They are just a list of companies you can join that do offer paid surveys.

But there are actually hundreds of sites that will pay you to participate in a paid survey. There are also several free paid survey directories that give you the same information as a paid membership site. There is no good reason to join a paid membership site to take paid surveys online.

When you join a paid survey site you will usually be asked to provide some personal information about yourself. They may ask you questions about your age, race, income, marital status, etc. This is so that when a company wants to survey a particular group of people, for example women between the age of 18 and 24 who own a pet, the paid survey company can send the survey out to that group. So there is really no way of knowing who will be needed most.

How can you tell the difference between a legit paid survey and a paid survey scam If a paid survey offers to pay you hundreds of dollars per paid survey that is a good indication that it is a scam. Also if you see something like "Take this paid survey a get a free laptop" you can be pretty sure this is a scam. A real paid survey will not try to get you to buy anything or sign up for any other offers. A legitimate paid survey will usually tell you the amount it is paying and the time it should take to complete the survey. Alot of paid survey companies use a "points" system. In a system like this you are paid a certain amount of points for each paid survey you complete. When you get to certain amount of points you can redeem them for a check. NFO My Survey and Global Test Market use this method of payment. If a paid survey application asks you to join other companies or asks if you would like to receive information from other advertisers you can usually be sure that is a scam also.

Free Music Download

There are ways to get away with free music downloading. Many people assume that Napster failed just because of the free music, but that's not the whole story. The truth is people were trading entire cd's and not just a few songs here and there. That is what got the attention of the media and of lawyers who sued.

Each song that you have on your computer individually is a file. When you go to download sites you are file swapping. This is free of charge and not considered illegal. Maybe just a little dishonest.

File swapping is where two people can exchange songs that at some point had to be purchased by some person. If only one person purchases the song or cd, then it is ok for them to share the file with as many people as they like, because the record company got its cut.

When downloading you may have to download a song a few times before you get a good copy. Sometimes you are just getting a sample. It's a trick to get you agitated and try to make you go buy the whole cd when you just want that one song. Just keep trying, you will find the song eventually. Remember nothing is free and you may have to put in a little more effort to get what you want.

Don't bother with sites that want you to fill out a bunch of personal information to get a free download. When you are accepting their terms that you know you never bother reading it says that they can sell your information. If the site is asking for a lot of personal information just move on. There are other sites out there available to you that will not violate your privacy for a free download.

Free Movie Download

Movies are a big business and the internet is helping them along quite well. Thanks to the new technology that allows movies to be played on the computer you are easily capable of having an entire movie collection right on your desktop providing you have the right type of computer.

The free movie download is something that entices a good many people to make the change to the internet format of movies and all that comes with it. Barring any unforeseen circumstances in the near future, people will spend a fair amount of time downloading their favorite films right onto their computers and then playing them on the DVD players and such that grace their entertainment centers. But there is the matter of copyright and piracy laws that you should be aware of. There is not always the legal right to be downloading a movie and you should be very careful of the people who offer them for nothing.

A free movie download can be gotten legally through a good many channels. That means that the download of the movie is free but not the site in general. Most often you will see that many of the sites that offer the free movie download do so by offering unlimited downloading for a flat monthly fee. This is opposed to the sites that charge per download and allow for you to rack up quite the large bill in the meantime. This is truly the only legal way to get a free movie download because the sites are required to pay a certain percentage of the money they take in to royalties. So that way they do not violate the many copyright laws that govern the whole movie industry.

There is a set fee for the free movie download sites and you can manage to get some of the sites for free if you know what you are doing. Many of these places will offer the first month for free and then require you to pay from there on out. So if you can manage to get all of the movies that you want in the first month then cancel the subscription then you will actually have gotten a free movie download. Not all of the sites allow for this though. Many of them have minimum times that you must be a member to get the free month. You should read all of the fine print before signing up for anything.

Free Dating Service

Everything in life used to come with a price tag, but this no longer true considering the number of products and services offered for free to increase sales. The latest to join the bandwagon of freebies are free dating services. Yet, like any other marketing strategies, there is a catch.

Search the net and you will come across innumerable sites offering free dating services. Log on to any of these sites, and you will be inundated with text tempting you to find your soul mate by surfing through the various links on its pages.

Once you log in with your user id and password, you are shown an array of attractive people, who immediately fuel your fancy. You start dreaming about finding the ideal date. You keep clicking, following various links; until you are finally taken to a page that requests a payment before you can go further on to discover the love of your life. You're offered options that have fancy descriptive adjectives-classic/gold membership or diamond/platinum membership- each with a price attached.

If you are gullible enough and click on the yes option, you are taken to another page where you are asked to provide your credit card number that you, of course, provide. After all, you're about to meet your soul mate. You send your love message and wait for a response. Days pass by and the endless wait for a reply never comes leaving you angry and frustrated and probably short a few hundred dollars.

The only true Free Dating Site is: www.FastFreeDating.Com. This dating site is one hundred percent free.

Free Condom

Never Pay For Condoms

Well there is something you may really like next, especially if your the frisky type. You can get FREE CONDOMS, yep... almost all sexual health clinics have bowls of these in their waiting area, or near the secretarys desk. Seek out your most available sexual health clinic and have a ball, they happen to have colored and flavored ones too on occasion. If your frisky quite often it is definiatly a bargain, and it keeps you safe as well. If they ask why you are there, just say you are browsing, or look interested in something. In fact they sometimes encourage you to grab some, yeah they like making you happy. This has been true for both places I've been too in Kitchener and in Toronto, in Ontario. I usually grab 4-6 of them at a time, have fun.



100 Ways To Save Money

So here are the 101 Ways To Save Money:

 

1. Set your thermostat to 64 and turn it down to 60 at night.

2. Use the phone book instead of directory assistance.

3. Use coupons at the grocery store.

4. Carpool.

5. Ask for generic prescriptions instead of brand name.

6. Do your own nails.

7. Rent out a room or garage.

8. Replace 100 watt bulbs with 60 watt.

9. Make long distance calls at night and on weekends, instead of mid-day, mid-week.

10. Throw pocket change in a jar and take it to the bank when it's full.

11. Always grocery shop with a list.

12. Buy spare parts for your car at a junkyard.

13. Go to museums on free days.

14. Quit smoking.

15. Get hand-me-down clothes and toys for your kids from family and friends.

16. Meet friends for coffee instead of dinner.

17. Request to get interest on a security deposit for your apartment.

18. Take a shorter shower.

19. Write letters instead of calling.

20. Brown bag your lunch.

21. Make your own baby food.

22. Use public transportation.

23. Drop duplicate medical insurance.

24. Buy old furniture at yard sales and refinish it yourself.

25. Apply for scholarships and financial aid.

26. Exercise for free-walk, jog, bike, or get exercise videos from the library.

27. Form a baby-sitting cooperative with friends and neighbors.

28. Buy your clothes off season.

29. Go to a matinee instead of an evening show.

30. Share housing with a friend or family member.

31. Hang clothes out to dry.

32. Do not use your calling card.

33. Volunteer two hours a month for reduced cost food through the Share Program.

34. Change the oil in your car yourself regularly.

35. Get pre-approval from your medical insurance company before undergoing any procedures or tests.

36. But 'no frills' vitamins.

37. Take a date for a walk along the beach or in the woods.

38. Make cards and gifts for friends.

39. Shop in thrift stores.

40. Have your water company do an audit so you are not charged sewage fees for water used in your garden.

41. Refinance your mortgage.

42. Grocery shop on double coupon days.

43. Trade down your car for a less expensive, lower maintenance one.

44. Convert your cash value life insurance to term.

45. Shop around for eyeglasses.

46. Don’t be shy about pulling something you like out of the trash.

47. Recycle.

48. Move to a less expensive place to live.

49. Use low flush toilets or water saving devices in the tank.

50. Drop unneeded telephone services like call forwarding or caller ID.

51. Buy fruits and vegetables in season.

52. Avoid using your ATM card at machines that charge a fee.

53. Bicycle to work.

54. Shop around for auto insurance discounts for multiple drivers, seniors, good driving records, etc.

55. Ask your doctor for samples of prescriptions.

56. Borrow a dress for a big night out. or go to a consignment shop.

57. When you buy a home negotiate the sales price and closing costs.

58. Turn the hot water heater down and wrap it with insulation.

59. Never grocery shop hungry.

60. If you qualify, file for Earned Income Credit.

61. Shop around for prescriptions including mail order companies (Medi-Mail 800-331-1458, Action Mail Order Drugs 800-452-1976, and AARP 800-456-2277). 

62. If you pay for childcare, make use of the dependent care tax credit or your employer's dependent care flexible spending account.

63. Buy, sell, and trade clothes at consignment shops.

64. Shop around for the lowest banking fees.

65. Caulk windows and doors.

66. Iron your own shirts.

67. Plan your weekly food menu before shopping.

68. Buy a good used car instead of a new model car.

69. Purchase all of your insurance from the same company to get a discount.

70. Cut your cable television down to basic.

71. Go to an optometrist for routine vision tests or to change an eyeglass prescription.

72. Buy pre-owned toys and children's books at garage sales.

73. Have potluck dinners with friends and family instead of going out.

74. Use the library for books, video tapes, and music.

75. Inspect clothing carefully before purchasing it.

76. Don't use your dishwasher dry cycle; open the door and let them air dry all night.

77. At the grocery store, comparison shop by looking at the unit price.

78. Make your own coffee.

79. Use old newspapers for cat litter.

80. Shop at discount clothing stores.

81. Skip annual full mouth x-rays unless there is a problem; the ADA recommends x-rays every 3 years.

82. Water your garden at night or early in the morning.

83. Shop around for long distance rates.

84. Hand wash instead of dry cleaning.

85. Grow your own vegetables and herbs.

86. Shop around for auto financing.

87. Donate time instead of money to religious organizations and charities.

88. If you are leaving a room for more than five minutes, turn off the light.

89. Shop at auctions or pawn shops for jewelry and antiques.

90. Keep your car properly tuned.

91. Request lower interest rates from your creditors.

92. Trade in old books, records, and CDs at book and record exchanges.

93. Pay bills the day they arrive; many credit card companies charge interest based on your average daily balance.

94. Buy software at computer fares.

95. Search the internet for freebies.

96. Compost to make your own fertilizer.

97.If your car has very little value, you probably only need liability insurance.

98. Cut the kids hair yourself.

99. Increase your insurance deductible.

100. Buy in bulk food warehouses.

101. If your income is low, contact utility companies about reduced rates.

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