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We all know it's much easier to spend than save. So to help you conserve that valuable re$ource, here are a few suggestions from the Consumer Literacy Consortium's 66 Ways to Save Money.

The next time you have to buy a big appliance, especially an air conditioner, furnace, or hot water heater, you can save big bucks on electricity every year if you choose the most energy-efficient models. How do you know what's efficient? The law says every new appliance must have an Energy Guide Label. Read and compare.

Another money saving suggestion: find out whether your local phone service is on a flat or measured rate, then compare the two prices to see which service plan saves you money. Check your bill to see if you have optional services that you don't really need or use. Dropping an unused option or two could save you real cash over the course of a year. (To spend on prezzies for you and those you love!) Another hint: You'll usually save money by buying your phones instead of leasing them.

Save by making your long distance calls in the evenings, at night, or on weekends rather than at daytime rates. (Of course!) And if you make quite a few LD calls every month, you should be on some kind of calling plan. But don't just choose the one with the best TV ads! Before you sign up, call several LD services and find out which one costs the least for the kind of calls you make. Whenever possible, dial your long distance calls directly. Operator-assist calls are soooo expensive!

That's all for this issue.

Unless of course you want some MORE HOT TIPS!

Incomparably Yours - April May


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