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Tip 13. Frugal family tips: Go green!

Buy energy efficient appliances to save money and nature.

Look for the Energy Star on appliances and consider the annual energy cost before buying. More efficient appliances might cost somewhat more, but you make up the extra cost and then some over the life of the product. And it helps to save the ...

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Tip 14. Don't overpay for gym!

Shop around for a cheaper gym or get no-contract membership.

Some gyms charge outrageous monthly fees. If you are one of those people who pays over $60/month, ask around how much people you know are paying in other gyms. Pay attention to newspaper ads with promotions. Search for gyms ...

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Tip 15. Cell phone apps, games...

Stop paying for cell phone apps, games and ringtones!

I know they are fun and could even be very helpful. But often there is no need to pay for them - you could find cell phone apps, games and ring-tones on the internet for free. Google will help with that. Very often there are as good or even better ...

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Tip 16. "No" to rental car insurance

Pay with credit card that offers free rental car insurance.

Paying car insurance when renting a car could add anywhere from $8 to $50 a day to the cost of the car. That’s a waste if you carry insurance on your cars at home, or if you pay with a credit card that offers rental car insurance as a ...

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Tip 17. Ever used call forwarding?

Frugal family spending tips: get rid of phone services you don't use.

Take a close look at your phone bill(s). Note all the features you never used and figure out if you are paying for them or not. Then call your phone company and cancel all these extra features if you don't need them (if they are not free). Do it ...

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Tip 18. No extended warranties

Frugal family: extended warranties are not worth the money.

When you are buying new gadget or appliance, stores will often try to push extended warranty to protect you in case item fails. Generally, they are not worth the money. If an item is going to fail, research tells us it will do so ...

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