Cheapo Checklist

1.   Save your loose change, and always check under your couches.  You can put away at least $10 a

month this way.

2.   Spend according to your income.  If you make $15 an hour, then it may take 3 or 4 hours
work to buy yourself a new pair of shoes.  If it takes you an entire 8 hour shift to buy a pair of new
shoes, then it may or may not be worth it. 

3. Resist the urge to go to restaurants and have take-out food on a regular basis.  Home cooked
meals are always cheaper. 

4.  E-mails are cheaper than regular mail, and E-bills are a quicker, more efficient way to pay
your bills on time and the service is usually free through major banks.  Also, Voice-over-IP
software, such as Skype, or Ventrilo are a cheaper alternative than a phone if you have a headset
with a built in microphone. 

5.  Shop around for deals on long distance phone plans, and http://koodomobile.com/, for cheaper
mobile phone rates. 

6.  Shop around for cheaper insurance plans,  and see which insurance policy provides the
most value for your money.  

7. Re-finance your mortgage to lower interest charges, and pay off your house or property
in less time than originally planned. 

8.  Cheaper local entertainment.  Instead of going to a pro sports game,  buy tickets for a
your local, junior sports franchise.  At least this way you have a preview of future, budding
sports stars. 

9.  Weather-proof your home. Covering and sealing your windows with sheets of see-through plastic
will keep out the cold drafts and let the sun in.  Caulking cracks and holes in your walls will also prevent drafts and heat from escaping. 

10.  If you have a scratched end table or coffee table, don't toss it in the garbage, wrap it with linen
or wallpaper.  There are more choices of wallpaper these days;  If you are not interested in wall paper, trying laying down a layer of grout on the table and arranging broken bathroom tiles on the table in fresco-like fashion. 


Well amigos,  I hope this helps!