My biggest money saving tips
5 years ago I switched out all light bulbs to CFL bulbs. Two things happened, electric bill dropped $20 per month and in the summer no heat is generated by the bulbs. I have only had to replace one in all this time. Second- the year before hubby retired we bought all new appliances. We bought gift cards each pay at the local grocery store which gave us twenty cents off per gallon of gas for each card then used them at the local appliance chain to buy the washer, dryer, stove and hot water tank. Electric bill dropped $30 per month. I researched with our electric company first to make sure the appliances were in accordance to their ratings to get rebates and got between $25 - $50 rebates on the electric bills per appliance. 3rd savings, tell your car insurance company you are retired, vehicle is no longer listed as driven to work, and they drop the "lost wage" part reducing the bill. Hope this helps you all save some cash.