Penny pinching, or should I say dollar stretching

Now days saving pennies is not going to do you much good. After all the ATM machine spits out 20 dollar bills not 1 dollar bills. Most people will go through a few 20 dollar bills as if they were 1 dollar bills though. If you are really trying to save up money to pay your bills here is just a few tips:

• Do away with unnecessary bills such as your cell phone, remember the days when you didn't need it? If you really have to have a cell phone then go with a pay as you go and buy the minutes cards.
• Get rid of all those extra channels on your cable TV bill, go bare bones for awhile. That could save you anywhere from $20 to $100 a month.
• Find ways to save on your electric/gas bill
• Go bare bones on your land line phone service. Get rid of those extra items.
• Lower your auto insurance rate by shopping around or contacting your insurance agent to see if they are offering anything different. I lowered mine by having my payments pay direct from my bank account to the savings of $200.00 a year.
• Cut up the credit cards that have a higher rate than 12% and just pay them off. Keep the lower interest rate one for emergencies. The 22% interest rate on a $300-400 balance will run you an extra $100-120 dollars a year if the balance is not paid in full each month.

That should keep you busy for a few hours.