Chart your energy usage with htp://fuelcharts.com. Each year the average household will spend thousands of dollars on their home energy needs. Energy costs add up from ...read morea number of different sources. The main consumption of energy is typically your heating source during the cold winter months. In most cases households have multiple sources of energy and it becomes difficult to keep track of where your money is being spent. Using Fuelcharts households using multiple fuel types (oil, pellets, wood, propane, etc..) can compare where they are spending their money and at what times of year. A good example would be a family may have an oil furnace as their main heating source. One year they may try to cut costs by using space heaters and turning down the oil heat. With Fuelcharts they can see if they are saving money compared to their past month’s or year’s usage. They may find they are cutting oil costs but doubling their electric bill or that they are saving big by turning down the thermostat.

Review your monthly bills with saving in mind. For example, if you notice you are only using half of your monthly cell phone minutes, switch ...read moreto a less expensive plan.

If you can't commit to remaining in one place for at least a few years, then owning is probably not for you, at least not yet. ...read moreWith the transaction costs of buying and selling a home, you may end up losing money if you sell any sooner - even in a rising market. When prices are falling, it's an even worse proposition.