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NooneknowsbetterthanSavershowtofindtheextradollarhereandquartertherethatovertimeadduptosub-stantialsavings.Hereareafewoftheirfavoritesavingstips.ImakesureeverytimeIgetanewprescriptiontolookatthedrugcom-panyswebsite.Moreandmorecom-paniesofferconsumerssubstantialoutofpocketsavings.Somehaveaone-timeusecouponwhileothersofferayearlydiscount.Isaved70inoutofpocketpaymentslastyearjustbylook-ingontheinternetHarveyKivelTucsonAZImetawomaninagrocerystorepark-inglotwhowasdrivingmydreamcar.Shetoldmetoputevery5dollarbillIgotinaboxandsaidIwouldbeamazedathowmuchIcouldaccumulate.Notevery5billmadeittotheboxbutInevertookanyout.RecentlyIhadsomeadditionalmonthlybillsandneededmoneyquickly.Imadethedecisiontousethemoneysavedinmy5box.Ihadbeensavingforaboutayearandwasstunnedtofindthatmyboxheldover500dollarsDianeS.McCorkleColumbusOhioIpurchasedasavingsbondforeachofmyniecesandnephewsshortlyaftertheirbirthfortheirfutureweddinggift.InmysituationIpurchaseda500sav-ingsbondforthepriceof250.RecentlyIattendedtwofamilyweddingsandpresentedthesavingsbondastheweddinggift.Bothbondsendedupbeingworthover900andwereverymuchappreciatedbythenewlywedsEileenM.KoneyNapervilleILMyhusbandandIliketosaveourchangeinaplasticcontainer.Everythreemonthswerollourcoins.Wetakeourrolledquartersandsavethemforourcampingtrips.Therestofourchangeisrolledandputintoasavingsaccountforourgranddaughter.Shenowhasoverfivehundreddollarsandsheisonlythreeyearsold.RobertaLaneVirginiaBeachVAWeonlyturnourhotwaterheateronabout45minutesbeforewewanttotakeashower.Ifweknowweregoingtoneedextrahotwaterfordishesetc.wellkeepitonalittlelongerpastourshower.Otherwiseitsoffatthebreak-erswitch.ItsreducedourelectricbillconsiderablyeachmonthCathyNorrisTampaFLImaintainsub-bankaccountsformymostimportantbudgetitems.EachmonthItransfer500intoagroceryaccountwithaseparateATMcard.NowIknowexactlyhowmuchIspendonfoodanygivenmonth.Itx19saloteasiertoman-agefoodexpensesthatway.JennyKuykendollBoiseIDThistiphashelpedussavethemostDontspend.Wewerelivingindebtbecausewealwaysspentmorethanwemadeandhadnothingtoshowforit.Tomakeitfunforthekidsandalsotakethestingoutofourbudgetwemadeitintoagame.Wehavebeenabletosavealmosthalfourincomenowthatwepurchaseonlynecessities.AllisonPlanthaberBarnegatNJSendyoursavingstipstokbryanconsumerfed.orgAmericanSavercoConsumerFederationofAmerica1620EyeSt.NWSuite200WashingtonD.C.20006Ifweselectyourtipforpublicationwewillsendyouacheckfor25theinitialpurchasepriceofa50EESavingsBondandanapplicationfora50EESavingsBond.Werecommendpurchasingasavingsbondatalocalbankorcreditunion.Pleaseincludeyournameaddressandphonenumbersowecancontactyou.AQuarterSavedIsaQuarterEarnedwww.AmericaSaves.orgFinancialFreedomRecipeINGREDIENTS1MinimumPaymentadjusttotaste1ExtraPaymentDIRECTIONSPayminimumonalldebtsexceptlowestdebtamount.Onthatonepayasmuchextraonitasyoucantillthatdebtisgone.Thenworkonnexthighestdebtpayingextraonituntilitisgone.Repeatuntilalldebtsaregone.Ifovengetstoohoti.e.emergencythenusetheextrapaymentfortheemergencythatmonth.Besuretogetbackontrackwithextrapaymentthenextmonth.WheneachdebtispaidcelebratebyservingupasliceofFinancialFreedomDawnHamsherLetterkennyArmyDepotAMERICASAVES3