693 HONEST, PRACTICAL WAYS TO HELP YOU BEAT CONSTANTLY SKYROCKETING PRICES!

1. 53 Practical Ways To Fight High Grocery Prices!

2. 45 Professional Tips To Cut Big Gasoline Bills!

3. 54 Secrets To Save On Family Clothing Purchases!

4. 38 Proven Methods To Reduce Medical, Dental Costs!

5. 56 Easy Ways To Slash High Electricity Bills!

6. 55 Rules For Cutting Home Heating Expenses!

7. 31 Useful Tips To Reduce Big Telephone Bills!

8. 55 Safe & Legal Deductions To Save On Taxes!

9. 42 Mechanic's Ways To Minimize Auto Repairs!

10. 36 Butcher's Suggestions For Cutting Meat Bills!

11. 57 Ways To Reduce Housing & Home Expenses!

12. 34 Legal Methods To Cut High Postage Costs!

13. 45 Secrets To Help Save On Vacations!

14. 47 Proven Ways T Economize At Home Every Day!

15. 44 Auto Dealer's Tips For Choosing The Best Used Car!

Published by: Paul Galloway

                3574 NW 95th Terrace
                Sunrise, FL 33351

(c) Copyright 1999, FUN MATES PRESS. All rights reserved.

53 PRACTICAL WAYS TO FIGHT HIGH GROCERY PRICES.....

1. Learn to cook intelligently. Invest in a good, inexpensive cookbook.

2. Plan all meals in advance.

3. Cook only as much food as your family will consume at each meal.

4. Cook slowly. Do not overcook. This prevents vitamin & mineral losses.

5. Save and make use of all leftovers. Start collecting leftover recipes.

6. Serve smaller portions. Eat less, stay slimmer...and healthier.

7. Eliminate fancy, fattening, expensive desserts.

8. Give children smaller portions and teach them not to waste food.

9. Pet food is expensive. Train your cat and dog to eat leftovers.

10. Avoid "fad" and junk foods consisting of empty calories.

11. Cut down on all sweets, white flour products and fatty foods.

12. Stop smoking. Drink juices instead of alcoholic beverages.

13. Don't drive many miles to save a few pennies at a certain store.

14. Use powdered milk instead of fresh milk.

15. Beat high coffee prices by drinking tea - and save about half.

16. Take your lunch to work.

17. Watch "open dating" on perishables and avoid buying outdated, spoiled food.

18. Become a "comparison shopper". Buy "specials" from several stores.

19. If you don't have one, invest in a new or good used freezer.

20. Read labels. Remember that ingredients are listed in order by weight.

21. Purchase only what you will use and eat everything you buy.

22. Visit your grocer as LEAST often as possible.

23. Trade money-saving recipes with friends, relatives, neighbors.

24. When grocery shopping, carry a list and stick to it!

25. Shop only on a FULL stomach. Never when hungry.

26. Never take children grocery shopping with you.

27. Clip, save and use "store coupons". Trade those you don't need.

28. Watch for grocery store "sale" ads and shop the store's specials.

29. Watch the cash register when checking out. Errors can be costly.

30. Buy your favorite foods in the largest size containers available.

31. Buy cheaper "store" or "house" brands.

32. Avoid the supermarket's "gourmet" section.

33. Stock up on genuine bargains.

34. Ignore advertisements for "new" or "improved" convenience products.

35. Avoid all convenience foods and items with long lists of additives.

36. Stock up on "in season" foods.

37. Pocket big savings by using more poultry in your menu.

38. Avoid non-nutritious foods, junk foods, sugary foods, soft drinks, etc.

39. Dine out less often. When you do, take home leftovers in a "doggie bag".

40. Grow some of your own herbs, fruits, vegetables.

41. Avoid convenience stores. They're more expensive.

42. Ask store personnel to steer you to the "best buys".

43. Buy your favorite foods by the case and ask for discounts.

44. Make your own soups, bakery goods, ice cream, yogurt, cole slaw, jams, etc.

45. Buy unsliced cheese and sandwich meats. Slice them yourself and save.

46. Look for damaged merchandise and ask for price reductions: dented cans, crushed cartons, outdated bakery goods, bruised produce, etc.

47. Buy ONLY food items from your grocery. Buy non-food items elsewhere.

48. Serve a balanced diet and you won't have to spend on vitamins.

49. Buy "in season" produce from local farmer's fields, gardens, orchards.

50. Compare prices of foods in various forms - canned, frozen, fresh and dried. Buy the least expensive.

51. Observe "unit pricing". Compare weights before deciding.

52. Before checking out, weed out the items you don't need.

53. Limit snacks at home to popped corn, fruit & vegetables.

45 PROFESSIONAL TIPS TO CUT BIG GASOLINE BILLS.....

1. Before getting into your car, ask yourself "Is this trip necessary?"!

2. On short trips, try walking or bicycling. It's good exercise.

3. Consider car-pooling and share the gas bill and ride.

4. Always use the shortest route and avoid sightseeing trips and bottlenecks.

5. Organize activities and perform as many errands as possible in one trip.

6. If possible, avoid driving during rush-hour & other peak traffic periods.

7. When bargain hunting, check newspaper ads and use your telephone.

8. Do they deliver? Let them pay for the gas! Try mail order firms, too.

9. Make a list and do all the grocery shopping once or twice a week.

10. Let the kids run some of the errands. Let them walk to school, too.

11. Public transportation may be cheaper, especially when traveling alone.

12. Pack as little in your car as necessary so it has less weight to carry.

13. Shop around for service stations with the lowest gasoline prices.

14. Check to see if there are "self service" gas stations in your area.

15. Don't speed. Cars get about 21% more mileage at 55 mph then at 70 mph.

16. Better planning reduces the need for speeding, to get there in time.

17. When starting your car, don't idle it for more than 30 seconds, even in cold weather. Today's cars are designed to be driven almost immediately.

18. If you must stop for more than 30 seconds, don't idle your car. The engine os more fuel efficient if your turn it off and restart it.

19. Drive evenly with a steady foot. Avoid jiggling the accelerator.

20. Keep tires properly inflated at all times. (Check pressure when cold).

21. Use air conditioning only when necessary. Try opening the window.

22. Avoid "jackrabbit" starts. When starting, press accelerator slowly.

23. Avoid panic stops. When possible, coast to stops such as traffic lights.

24. Remove items that cause wind resistance, such as luggage racks.

25. Don't forget to release the emergency brake before pulling away.

26. Never rev engine before killing it. This wastes gas, wears out cylinders.

27. Keep tuned to radio traffic reports & avoid traffic jams, other delays.

28. Make certain your gas cap fits properly.

29. Use the lowest octane gas that won't make your engine knock.

30. Use only your right foot for accelerating and braking. That way you can't accidentally ride the brake and use excessive gas.

31. Shift into high gear as soon as possible. If you have automatic transmission, lift your foot from the accelerator about one second early.

32. Pass other cars as soon as you see you are overtaking them. Don't wait.

33. Keep your car properly tuned for top fuel efficiency.

34. Keep brakes properly adjusted. Dragging brakes increases resistance.

35. Operate as small a car as possible for your driving needs. (Small cars weighing half as much as large cars use about half as much gasoline!)

36. Avoid cars with gas-consuming options such as air conditioning; power equipment such as window, door locks, etc.; automatic transmission, etc.

37. In hot climates, drive a car with light colored exterior and interior, to reflect light, heat. Tinted glass also prevents heat buildup.

38. Use radial tires for less friction between tire and road.

39. When driving, keep your eyes moving and your feet still!

40. Keep your steering wheel still too. The more you weave back and forth, the farther your car has to travel and the more gas is consumed.

41. Don't overfill your gas tank. It could leak or spill in heat or on a hill.

42. Use snow tires and/or chains as little as necessary because they make your car work harder and use more gasoline.

43. When you see a hill ahead, build up speed before you reach it, then maintain your speed on the slope. (If you must accelerate on the hill, you will use much more fuel). Then coast down the other side.

44. Keep wheels aligned for better mileage. Longer tire life, too.

45. Record all gas purchases for tax deduction purposes.

54 SECRETS TO SAVE ON FAMILY CLOTHING PURCHASES.....

1. Before purchasing new clothing items, ask yourself if you really need it!

2. If you charge clothing, pay your bills before "due date".

3. Consider shopping at discount stores.

4. Can you get along without it until a sale comes along at season's end?

5. Is it a new "fad" that may be out of style in a short time?

6. Shop for clothing at rummage sales, garage sales, flea markets, etc.

7. Shop for used clothing at "like new" shops - see your Yellow Pages.

8. Watch newspaper ads for store sales, clearances, close-outs, etc.

9. Consider buying or renting a sewing machine and making it yourself.

10. Save by shining your own shoes.

11. Keep care costs in mind. Buy washables and save on dry cleaning bills.

12. Shop for clothing at thrift shops.

13. always keep your clothes clean and in good repair. They'll last longer.

14. Raise cash by selling discarded clothing at garage sales, flea markets, etc.

15. Alter adult's clothing for your children.

16. Make minor clothing repairs yourself.17. Get old shoes repaired for longer wear: resoled, new heels added, etc.

17. Buy only clothing items that are well made and will wear well.

18. Stick to basic styles, colors, fabrics.

19. Trade clothing items with friends & neighbors (especially children's).

20. Carry a plastic raincoat to protect clothing from unexpected showers.

21. Look for clothing bargains in newspaper classified ads.

22. Buy versatile clothes that can be used for different occasions.

23. Buy coordinated clothing so you can mix and match and have more outfits.

24. donate used clothing to charities for tax deductions.

25. Save older children's clothing for hand-me-downs for the younger ones.

26. Hand clothes properly for longer life.

27. change into old (washable) clothes for dirty at-home tasks.

28. Before storing, shoes should be cleaned, polished & shoe trees inserted.

29. Take extra special care of leather clothing items for lifetime wear.

30. Avoid dry cleaning bills. Many spots can be removed with cleaning fluids.

31. Buy dual-purpose clothing, such as reversibles, topcoat/raincoats, etc.

32. If bored with a pair of shoes, consider dying them a different color.

33. Use worn-out clothing for cleaning, household wipes, and "nose blowers".

34. Consider saving by ordering clothing items from mail order houses.

35. Buy children's clothing items a size or two larger for longer wear.

36. During sales, stock up on basics: sleep wear, underwear, socks, etc.

37. Teach children to care for their clothing.

38. don't "kill time" in clothing stores or you may buy things you don't need.

39. Get to know where to go for the best buys for certain items.

40. Practice sales resistance if you can;t find exactly what you want.

41. Remember that high price does not necessarily mean good quality.

42. When shopping, have a definite plan and stick to it.

43. If you cannot find what you want, go home without it.

44. Never buy anything just because "everyone else is wearing it"!

45. Buy men's suits & coats in February, April, November & before Christmas.

46. Stock up on children's clothes after back-to-school sales in October.

47. Buy men's shirts, socks and underwear before Father's Day in June.

48. Buy women's winter coats & suits in November.

49. Buy summer clothing, swimsuits, shoes & sandals during sales in July.

50. Buy cocktail dresses, winter boots and furs during January sales.

51. Shop "After Easter" sales for children's clothes, dresses, spring coats and fabrics (for home sewing).

52. Look for spring sportswear sales during May.

53. Buy ski clothing during August; other sports clothing during July sales.

38 PROVEN METHODS TO REDUCE MEDICAL & DENTAL COSTS...

1. Don't get sick! Practice preventative medicine. Eat a balanced diet.

2. Keep your weight down. Encourage family members to do the same.

3. Choose a family doctor before you get sick. To find one, ask friends. neighbors local medical society or nearby hospital.

4. If you have minor medical problems, phone your doctor. Don't visit him.

5. Purchase prescription drugs by generic names rather than brand names.

6. Buy drug items from discount stores where they are less expensive.

7. If vitamin/mineral supplements are necessary, order from mail order firms such as: Nutrition Headquarters, 104 W. Jackson Street, Carbondale, IL 62901.

8. If you smoke, stop. You'll eliminate heart, lung, circulatory problems.

9. Excessive alcohol is bad for anyone. Cut down or stop drinking entirely.

10. Ask your doctor for "starter" samples of drugs he may prescribe for you.

11. Protect against cost of blood transfusions. Contribute blood periodically.

12. By law, all aspirin is the same. So always buy the cheapest brand.

13. If your doctor writes a prescription for a brand name drug, ask the pharmacist to substitute a less expensive generic drug.

14. Most prescription drugs may be ordered from mail order pharmacies licensed by the state. Ask your doctor, pharmacist or hospital for the name and address of such firms. This is a great saving for non-emergency drugs.

15. Check public health centers in your area. They usually give immunizations and routine screening tests free of charge. or for very little cost.

16. Buy a good home medical guide. Learn to recognize symptoms of diseases.

17. If you have a persistent problem, get it taken care of as soon as possible.

18. Record all medical expenses for tax deductions.

19. If possible , use "out patient" facilities for minor operations and medical procedures if it is acceptable to you and your doctor.

20. Have physical examinations regularly.

21. for minor surgery, ask your doctor if it can be done in his office.

22. If hospitalization is necessary, have all tests done before you enter.

23. Discuss your financial condition with your doctor, especially before surgery or special medical program. He may be able to suggest savings.

24. Save on hospital costs. Get in and out as quickly as possible. Before you enter, be aware of what everything will cost and cut out the "frills".

25. Shop around first. Then join the best health care plan you can afford.

26. If a doctor claims you require surgery, get a second opinion. A second M.D. nay know of a non-surgical treatment that works.

27. Investigate any health insurance organizations in your area. These are groups of doctors who offer you all the health care you need in a year for a single predetermined fee. Check your phone book.

28. Many medical schools that train optometrists and podiatrists operate low-cost clinics. These clinics are open to anyone.

29. Senior citizens who join the American Association of Retired People get drug discounts. Ask your doctor for the name and address.

30. Home health care is sometimes possible if there is a knowledgeable person around. discuss it with your doctor and you may shorten your hospital stay.

31. If you are in bad financial straits, you may be eligible for Medicaid. Your local Dept. of Social Services can give you information.

32. Keep your own accurate and up-to-date medical history.

33. Many large corporations now arrange for their employees to get free or low cost medical and dental care, and medicine.

34. When visiting your doctor, bring along a list of questions you want to ask.

35. Observe and teach all family members good dental hygiene.

36. Visit your dentist regularly for checkups.

37. Use the best and cheapest dentifrice: salt & bicarbonate of soda.

38. Many dental colleges operate no-cost or low fee dental clinics.

56 EASY WAYS TO SLASH HIGH ELECTRICITY BILLS....

1. Turn off lights in any room not being used.

2. Shut off dishwasher for dry cycle. Let your dishes "air dry".

3. Use a window fan instead of air conditioner whenever possible.

4. Turn off your TV, radio, record player when not in use.

5. Use large bulb instead of several small ones where bright light is needed.

6. Use lamp shades with white liner. This reflects more light.

7. Replace incandescent with fluorescent bulbs wherever possible.

8. Teach all family members to turn off lights when leaving a room.

9. Don't use dishwasher or laundry equipment until you have a full load.

10. Use outdoor lights only where they are needed.

11. Make sure your refrigerator and freezer door seals are airtight.

12. Save electricity by using old-fashioned clothesline for clothes drying.

13. Keep air conditioning condenser shaded from sun or on north side of house.

14. Vacuum or dust off coils of refrigerator and freezer regularly.

15. Turn off air conditioning when no one is home.

16. "Instant-on" TV sets use energy even when set is not turned on.

17. A full freezer uses less energy. Use bags of ice cubes to keep filled.

18. Never overload clothes dryer and always clean lint filter after use.

19. Freezers and refrigerators that defrost automatically use more energy.

20. Let hot foods cool before placing them in the refrigerator.

21. Remove clothes that require ironing from the dryer while they are damp.

22. When replacing switches, consider installing solid state dimmer switches.

23. Use low wattage night-light bulbs that now come in 4 and 7-watt sizes.

24. Place your refrigerator in the coolest part of the kitchen.

25. Don't "over dry" clothing. It wastes energy and may damage synthetics.

26. When going away for extended periods, set refrigerator at lowest setting.

27. Turn off electric water heater when going away for vacations or weekends.

28. Turn 3-way lamps down to lowest level for TV watching.

29. Choose light, reflective colors for room ceilings and walls.

30. Never connect any large appliance to an extension cord.

31. Decide exactly what you want before you open the refrigerator door.

32. Defrost refrigerator regularly - when about 1/4 inch of ice has formed.

33. "Long-life" light bulbs use more energy than standard life bulbs.

34. Turn off your iron when not using it.

35. Put light switches where they are easy to turn on and off.

36. Keep appliances clean and in good working order. They'll use less energy.

37. When using air conditioning, set thermostat at 78 degrees or higher.

38. Keep bulbs and lighting fixtures clean. Dust lowers light levels.

39. Eliminate unnecessary outdoor decorative lighting.

40. Plant shrubs and trees so that they will shade house during summer months.

41. Use higher wattage bulbs only for reading and close work.

42. Insulating your attic will save on operating air conditioning (also heating).

43. If you have a second refrigerator, ask yourself if you really need it.

44. Keep the outside exhaust of your clothes dryer clean.

45. Buy appliances on the basis of cost plus operating costs, not price alone.

46. Buy clothing made of fabrics that require little or no ironing.

47. Use hand tools in your workshop instead of power tools.

48. When using air conditioning, keep windows closed & close off unused rooms.

49. Use reflector floodlights in directional lamps instead of standard bulbs.

50. Buy only "no iron" sheets and pillow cases to save on ironing energy.

51. Use adapters to convert table lamps into low-energy fluorescent lamps.

52. Microwave ovens reduce cooking time by 15% to 20% and save energy.

53. When shopping for new appliances, ask about energy-efficient models.

54. Don't use several light bulbs where one will do the job.

55. Limit the use of appliances that use over 1,000 watts.

56. Check all energy bills closely. Errors can be costly.

55 RULES FOR CUTTING HOME HEATING BILLS......

1. Heat your home with energy that is cheapest in your area.

2. Consider heating your home with solar heat. It costs the least.

3. Insulate your water heater. This will pay for itself quickly.

4. Open draperies and shades in winter to let in sunshine.

5. Keep thermostat at 68 degrees; 55 degrees at night. Install an automatic timer.

6. Heat only those rooms that are in use.

7. Cut heat loss in half by weatherstripping doors and windows.

8. Check for cracks around fireplace. Keep heat in by caulking all cracks.

9. Insulate your attic and all outside walls.

10. Be sure your thermostat is not located in a normally cold or hot place.

11. In winter, set thermostat low. In spring and fall, turn off heat.

12. Wear warm (closely knit fabrics) clothing indoors during cold weather.

13. When away from home, turn off heat and hot water heater.

14. Keep windows closed during cold weather.

15. Inspect your furnace. Keep parts clean. Replace air filters when necessary.

16. Wrap heating ducts with duct tape where exposed to cold air.

17. Don't peek into the oven. You lose 20% - 50% of the heat each time you do.

18. Have your furnace serviced by an experienced professional once a year.

19. Avoid use of kitchen, bathroom fans in winter. Theywaste household heat.

20. Keep fireplace damper closed when not in use.

21. Make sure that furnace cold air register is not obstructed.

22. Check efficiency ratings before purchasing portable heaters of any kind.

23. Cooking utensils with flat bottoms and tight fitting covers save heat.

24. Be sure pots and pans are right size for range burners and elements.

25. Plan some meals so that entire meal can be prepared in oven at same time.

26. Thaw frozen meats to almost room temperature before cooking.

27. Never use range or oven to heat the kitchen. This could prove dangerous.

28. Turn off oven about 5 minutes before cooking time os over.

29. Use storm or thermal windows in cold areas.

30. During winter months, arrange furniture away from outside walls.

31. Remove awnings from sun-exposed windows during winter months.

32. Insulate floors over unheated spaces such as crawl spaces and garage.

33. Close off attic, garage, basement, spare bedrooms, storage areas, etc.

34. An electric blanket is much less expensive than heating your bedroom.

35. cover pots and pans when heating liquids.

36. Install storm doors before cold weather arrives.

37. seal gaps around pipes, wires, vents. Caulk baseboards.

38. Turn off heat when the fireplace is being used.

39. A glass front or glass screen will reduce fireplace heat loss.

40. Dust or vacuum radiator surfaces frequently.

41. Don't forget to weatherstrip your attic door to prevent heat from escaping.

42. Insulate your mattress and bed frame with wrapping paper or plastic sheets.

43. Repair holes in roof, walls, doors and windows where heat may escape.

44. Check to see that glass in all windows have full putty.

45. If wood is inexpensive in your area, install a wood burning stove.

46. Turn off your furnace pilot light when heat is not necessary.

47. Teach youngsters to keep doors closed and other ways of conserving heat.

48. Talk to your utility company for other suggestions for saving heat

49. Keep hot water thermostat set at 110-120 degrees. (Most are set at 140 degrees).

50. Repair faucets. A dripping faucet can waste 15 gallons of hot water a day.

51. Install an automatic timer so water is heated only during hours needed.

52. Wash clothing in cold water with cold water detergent.

53. Install an aerator on your kitchen sink faucet to save on hot water.

54. Save hot water by installing a low-flow showerhead.

55. "Suds savers" on washers allow you to reuse hot water for several loads.

31 USEFUL TIPS TO REDUCE BIG TELEPHONE BILLS......

1. If the message isn't urgent, send a letter or postcard instead.

2. Avoid using coin phones. They generally cost more in the long run.

3. Limit all phone calls to five minutes or less.

4. Instruct all family members - including children - to make only calls that are necessary.

5. Check your directory for phone numbers. Some telephone companies now charge when you dial "Directory Assistance" for information.

6. Use your radio for time and weather information instead of your phone.

7. Dial calls "direct". Charges increase when an operator is involved.

8. Phone during discount rate periods - evening, night and weekend hours.

9. Call when holiday rates are in effect, generally all day for legal holidays such as Christmas, New Year's Day, Thanksgiving, etc.

10. Avoid calls that require the services of an operator: collect calls, credit card calls, calls charged to another number, time & charge, etc.

11. Avoid "person-to-person" telephone calls.

12. Many firms have toll-free "800" numbers. Most airlines, railways, bus lines, hotels, motels, rent-a-car chains, etc. will pay for your call. Look them up in your directory for the "800" number, or call 800-555-1212 to see if the firm you want has a toll-free number.

13. Many businesses have "Zenith" or "Enterprise" prefixes. They are toll-free also. Check your directory for such numbers before dialing.

14. Plan your phone calls in advance, especially when dialing long distance. Some areas have unassisted 1-minute calls that can save you money.

15. If you phone someone frequently, "schedule" your calls. In this way, you can dial direct when the person you want to reach will be there.

16. If you reach a wrong number, call the operator right away so that you won't be charged for it. If this happens with a coin phone, the telephone company will mail you a refund.

17. If you have a bad connection or get cut-off, both parties should hang up. Whoever placed the call should tell the operator about the problem. The operator will then reestablish the call & make an adjustment.

18. Extension phones cost extra. Have them installed only when necessary.

19. If a coin phone takes your money and doesn't complete the call, notify the phone company by calling from another phone. Give them the number of the faulty phone and they will mail you a refund.

20. If you are going away for over 60 days, you cantemporarily suspend your phone service. This rate is lower than most regular rates.

21. When relocating, have all phone installations done at the same time.

22. There are usually no time limits on local calls. However, "nearby" and long distance rates are based on 1-minute and 3-minute units. Consult your directory or phone company before calling, to get the lowest rate.

23. If you dial a number often that does not appear in your current phone directory, jot it down instead of dialing Directory Assistance each time.

24. Anticipate the number of calls you make each month. Then talk to your phone company and select the most economical type of service.

25. Have all family members included under one directory listing.

26. Don't permit guests or business associates to use your phone to make personal long distance calls.

27. If you use your residence phone for businesspurposes, you may be able to deduct a portion of your phone bill for business purposes. Check with your nearest Internal Revenue Service office.

28. Residence phone rates are generally less than business phone rates.

29. Pay telephone bills promptly. If you become delinquent, your phone may be disconnected. A charge will be made later to restore service.

30. Instead of an extension phone, have a longer cord installed on your phone.

31. If possible, call long distance "collect".

55 SAFE & LEGAL DEDUCTIONS TO SAVE ON TAXES.....

1. Cost of having a tax return prepared the previous year.

2. Dues to professional societies and subscriptions to professional journals.

3. Medical insurance premiums.

4. Union dues and expenses.

5. Liquidated damages to a former employer, such as for a broken contract.

6. Gambling losses. (However, winnings are taxable).

7. Money given to non-profit charities.

8. Cost of uniforms and/or special clothing required on the job.

9. Special shoes required for your job.

10. Special tools, equipment and supplies necessary for your job.

11. Credit for political contributions.

12. Credit for care of a child or dependent.

13. Earned income credit (for low income workers).

14. Energy tax credit, for making energy efficiency improvements to home.

15. Charitable gifts such as clothing, furniture, real estate, etc.

16. Doctor's, dentists, hospital bills.

17. costs of prescriptions, drugs.

18. Expenses for eyeglasses, hearing aids, dentures, contact lenses, etc.

19. Employment agency fee when looking for work.

20. Moving expenses, when necessary for business related reasons.

21. Fees for books, newsletters, seminars, etc., that give tax advice.

22. Upkeep expenses (including laundry, cleaning) for uniforms, work clothes.

23. Protective clothing such as safety shoes & glasses, hard hats, etc.

24. Appraisal fee to determine amount of loss for casualty or theft deduction.

25. Appraisal fee to determine market value of property claimed as deduction.

26. Home telephone expenses relating to your job, including long distance.

27. Customer entertainment.

28. Professional licenses.

29. Malpractice insurance (as in case of nurses, doctors, etc.)

30. Investment expenses for advice paid to banks, brokers, advisors, etc.

31. Travel expenses to consult with broker, to do investment research, etc.

32. Cost of safety deposit box rental.

33. cost of preparing, typing, printing, mailing, etc., job resumes.

34. Cost of seminars, books, classes, etc., on how to write a job resume.

35. Travel and transportation expenses necessary for finding new employment.

36. Meal and lodging costs when necessary for finding a new job.

37. Cost of education required by your employer for keeping your job.

38. Cost of education to improve skills required in performing current work.

39. Donations to churches, religious, non-profit organizations.

40. Losses caused by accidents, storms, floods, thefts, etc.

41. Elective surgery such as face-lifts, breast implants, thigh-tapering, etc.

42. Acupuncture.

43. Laetrile, in states where it is legal.

44. Psychiatric and psychological care and treatment.

45. Transportation to and from places for medical examinations, treatments, etc.

46. Sales taxes, including big-ticket times such as car, boat, etc.

47. Mortgage interest.

48. Interest on credit card and department store charges.

49. Interest on loan purchases, such as automobile.

50. Closing costs when selling home & moving, for business related reasons.

51. Capital gains and losses.

52. Personal retirement plans such as IRA and Keogh plans.

53. Personal property taxes, state and local taxes.

54. Real estate taxes.

55. Alimony.

NOTICE: This list was accurate at time of publication. Contact nearest IRS office for current information and any recent changes in tax laws.

42 MECHANICS WAYS TO MINIMIZE AUTO REPAIRS.....

While most Americans neglect their automobile, the average U.S. car life is about 10 years (or 100,000 miles). With proper maintenance, you can double and even triple your car's life . This check list tells you what to do.

1. Every two weeks:

   1. Check engine oil. Add oil if needed. Use correct viscosity.

   2. Check radiator coolant level. Add water or anti-freeze if necessary.

   3. Check paint for deep scratches, chips, rust. Repair any damage.

2. Once a month:

3. Check air pressure in all FIVE tires. Add air if required.

4. Check battery fluid (in UNsealed batteries). Add water if necessary.

5. Check fluid in power-steering pump reservoir. Add fluid if needed.

6. Every 3 months or 3,000 miles (whichever comes first) :

7. Change entire oil.

8. Change oil filter.

9. Check automatic-transmission fluid level and condition. If necessary add additional fluid.

10. Check all drive belts (fan belts) on engine. Replace any if needed.

11. Adjust drum brakes with manual adjusters.

12. Every 6 months or 6,000 miles:

13. Check carburetor. Replace or make adjustments if necessary.

14. Check pollution-control equipment. Make any adjustments if needed.

15. Replace spark plugs.

16. Check clutch free play. Adjust if required.

17. Check oil in differential and manual transmission. Add oil if needed.

18. Check brake fluid level in master cylinder reservoir. Add brake fluid if necessary.

19. Rotate the tires.

20. Have headlights aimed.

21. Check air condition sight glass (if any). Add refrigerant if required.

22. Lubricate all locks and hinges.

23. Grease all chassis fittings.

24. Wax car body.

25. Every 12 months or 12,000 miles:

26. Inspect brake linings. Replace if necessary.

27. Time for major tune-up. Replace points, plugs, filters, plus adjustments to carburetor, ignition system and pollution-control equipment.

28. Repack wheel bearings.

29. Replace all air filters.

30. Replace all fuel filters.

31. Flush radiator and heater core. Replace antifreeze.

32. Have front-end alignment checked and corrected if needed.

33. Replace windshield wiper blades.

34. Clean crankcase breather cap.

35. Tighten bolts on engine manifolds.

36. Have automatic transmission bands adjusted (if possible).

37. Adjust valve clearance (if required on your car).

38. Every 2 years or 24,000 miles:

39. Replace PCV (positive crankcase ventilating) valve.

40. Bleed brake system and replace brake fluid.

41. Replace automatic transmission fluid and filter.

42. Every 3 years or 30,000 miles:

43. Replace all cooling system and heater hoses.

44. Replace oil in differential and manual transmission.

45. Test ignition cables and replace if needed.

46. Every 50,000 miles:

47. Replace catalytic converter (on cars so equipped).

36 BUTCHER'S SUGGESTIONS FOR CUTTING MEAT BILLS.....

1. Buy a good cookbook. Familiarize yourself with cheaper meat cuts.

2. Have at least one meatless day each week - serve substitutes.

3. Trade budget-stretching meat recipes with friends, neighbors, relatives.

4. Avoid expensive canned and frozen "convenience" meats.

5. Watch ads & stock up on genuine meat bargains. Keep your freezer full.

6. Buy meats in economy "family-packs" when possible. Divide and freeze for specific uses.

7. Stretch hamburger meat by adding bread crumbs, chopped onion, egg and seasonings. Shape into patties and grill.

8. Buy beef by the "half" or "quarter". Have it professionally cut and store in your freezer. Sell or trade excess with your neighbors.

9. To avoid excessive shrinkage and waste, cook long-cooking meat over low or moderate heat or in 325 degree oven.

10. Use a meat thermometer to determine doneness. This prevents overcooking, shrinkage and drying out of meat.

11. Well trimmed meat weights less, costs less. Shop around and find the markets that do the best trimming job.

12. Extend meat loaf and other ground-beef dishes with mixed vegetables, mashed white or sweet potatoes, rice or pasta.

13. Reduce amount of meat in such recipes as stews, casseroles, chili and spaghetti sauce. Increase sauce and vegetable.

14. For freshest meats, shop early on days when stores are busy - generally mid to end of week. Avoid mornings after long weekends.

15. Stir-frying stretches meat and it's fast too. To cut into thinnest slices, partially freeze the meat. Use round and flank steaks.

16. Use "chunky" style soups over potatoes or pasta in place of meat.

17. Substitute small bone chuck steak for sirloin or top round. Sprinkle with meat tenderizer before broiling or barbecuing.

18. Rush purchased meat to refrigerator or freezer to avoid spoilage.

19. To avoid wasting hamburger, freeze as patties instead of as a chunk.

20. Save tough rinds from ham, bacon or hocks. Tuck into potato, rice or noodle casseroles & bake for meaty flavor. Discard before serving.

21. Unless you want the bone for soup, a boneless ham usually costs less.

22. Save & freeze all meat bones and trimmings. Use in soups and stews.

23. Buy large cuts of meat (chuck & pork roasts; thick steaks & ham), when on sale and cut up for a variety of uses.

24. Marinate, tenderize or braise less tender cuts of meat before cooking.

25. Try less expensive "organ" meats: liver, heart, brains, kidney, tripe.

26. Buy luncheon meats unsliced in a chunk. slice them yourself & save.

27. Buy bacon ends in economy sizes; divide and freeze. Cook, then combine with scrambled eggs - much cheaper than perfectly sliced bacon.

28. Get acquainted with your market's meat cutter. He can alert you to unadvertised specials and give you good cooking and saving tips.

29. Slice roasts and ham thin. Two thin slices look like more on the place than one thick one.

30. You require less ground-meat mixture per serving if you use it to stuff tomatoes, green peppers, cabbage leaves and any type of squashes.

31. To avoid "freezer burn", which dries out and toughens meat, rewrap all market-packaged meats in airtight freezer wrap.

32. Save cooking liquid from New England boiled dinner, smoked pork shoulder or brisket. Use for lentil, pea, potato or barley soup.

33. Save all scraps of meat leftovers. Then grind or chop them & mix with salad dressing, relish, celery & onion for sandwich spreads and dips.

34. Make gravy from drippings. Serve on biscuits, toast, pasta, rice, etc.

35. Dice cooked meat leftovers, mix with barbecue sauce & serve in buns.

36. Save on "outdated" meats, but freeze or serve as soon as possible.

57 WAYS TO REDUCE HOUSING & HOME EXPENSES.....

1. Consider buying an old, inexpensive house & modernizing it yourself.

2. Check firms that build the house's exterior and you do the inside work.

3. give thought to living in a mobile home or modular housing.

4. You can save substantially by learning how to conserve home energy.

5. Insulate your home yourself & you may be entitled to a large tax credit.

6. Use solar energy in your home & reduce conventional energy expenses.

7. Pay property insurance premiums annually for substantial savings.

8. Moving costs may be tax deductible, if it was done for business reasons.

9. If necessary, add extra rooms instead of looking for a larger house.

10. Keep your home in good condition. It will insure top money when selling.

11. Practice preventable maintenance. Take good care of what you have.

12. Get an illustrated manual & learn to repair most common problems yourself.

13. When needed, ask friends & neighbors whom they recommend for repair work.

14. Always get competitive bids for larger repair jobs.

15. Before hiring a firm, ask for names of their customers you can contact.

16. If a loan is required for repairs, shop round for lowest interest rates.

17. Borrow money for the shortest period possible.

18. Use reputable firms. Check with Better Business Bureau if necessary.

19. Establish a good trusting relationship with a reliable repair service.

20. Get a signed cost estimate before repair work is started.

21. Discount stores.

22. Auctions.

23. Catalog stores.

24. Garage sales.

25. Flea markets.

26. Thrift stores.

27. Classified ads. (You'll get a better bargain from private owner, than from a store).

28. Sales and clearances of reputable stores.

29. Look for "floor samples" and "demonstrator's models

30. Shop for discontinued models and "slightly damaged" merchandise.

31. Buy "unclaimed" and "repossessed" furniture at warehouse sales.

32. Buy unpainted furniture and finish it yourself.

33. Try to buy wholesale. Some manufacturers have "wholesale outlets".

34. Consider working a swap with friends, relatives, neighbors.

35. Before you buy, ask yourself, "Do I really need it?"

36. Shop around before you decide. Become an expert comparison shopper.

37. Ask around. Talk to others and ask their experiences, suggestions.

38. Go to the local library and read. Check out recent articles on the subject.

39. Is the merchant reliable in case you have any problems later?

40. Never sign contracts or agreements until you know what you are signing.

41. If you buy on credit, keep a written record of your spending in your wallet.

42. Use charge cards only if you pay bills before interest is added.

43. Buy only low-energy, high efficiency appliances.

44. See if you can "make do" with what you have.

45. When ordering carpeting, ask for broadloom remnants and save about half.

46. Make some items yourself, such as curtains, draperies, bedspreads, etc.

47. Buy radios and TV's during January & May sales.

48. February & June are good times to buy bedding, floor covering, furniture.

49. Shop March & July for good buys on washers and dryers.

50. Buy rugs during August and October sales.

51. Stock up on household linens during the months of January, May & August.

52. March is a good month to buy a house, right after school vacation starts.

53. Buy a kitchen range, paint & wallpaper during April sales.

54. March is a good month to select a new air conditioner.

55. January sales are good for buying small appliances, blankets, quilts.

56. Buy housewares in Feb., Sept.; china & glassware in March & Sept.

57. Buy fabrics in Jan. & October; storm windows in June & July.

34 LEGAL METHODS TO CUT HIGH POSTAGE COSTS.....

1. For local messages, telephone instead of sending a letter.

2. Use postcards as often as possible. Save on stamps AND envelopes.

3. Don't buy stamps from vending machines where a service charge is added.

4. If you operate your own business, remember that postage is tax deductible.

5. Pay local bills in person instead of mailing them.

6. Save postage stamps off your incoming mail. Then sell them at flea markets, garage sales, neighborhood yard and tag sales, etc.

7. Use 3rd class mail when speed isn't important and pocket big savings.

8. Don't "overstamp" your mail. Purchase an inexpensive postal scale or have your local Post Office weigh your mail for you.

9. When sending 1st class mail, remember that while the first ounce requires a 1st class stamp, additional ounces cost less. Pick up a postal rate guide from your local Post Office.

10. Post Office "stamped" envelopes are expensive. Save by buying packets of envelopes from variety and discount stores.

11. Don't pay extra for "airmail" between distant points in the U.S., Canada and Mexico. All such mail is automatically sent via air at 1st class rates.

12. Always use your zip code on your mail for faster delivery. If you don't know the zip code, your local Post Office can look it up for you.

13. If speed and timing is important, deposit your mail early in the day.

14. If you have special instructions such as "Special Delivery", mark this plainly on all letters and packages, in big letters for all to see.

15. Pay bills by personal checks. It is less expensive then Postal money orders.

16. Avoid ordering merchandise via "C.O.D.". The C.O.D. charge is generally added to the cost of your order.

17. When insuring a package or letter, insure it for its value only - and no more. If it is lost, you will be paid for the actual value only.

18. Use "Special Delivery" during nights and weekends only. During the week, Special Delivery is handled the same as regular first class mail and given special attention at the destination only.

19. Never spend on "Special Delivery" mail sent to a Post Office box.

20. If your require proof of delivery, use "Certified" mail instead of more expensive "Registered" mail.

21. When mailing large quantities of identical "printed matter" mail, investigate "bulk mail" rates. Inquire at your local Post Office.

22. When shipping parcels, compare rates charged by other carriers such as United Parcel Service, Greyhound, freight companies, etc.

23. When mailing books, use the lower 4th class "book rate".

24. Reweigh "Postage Due" mail in the event an error has been made.

25. Avoid using odd-shaped "non-standard" size envelopes. The Post Office charges extra if envelopes do not conform to certain size specifications.

26. When mailing printed matter overseas, use the lower "surface rate" and write "Printed Matter" on the envelope, if airmail isn't necessary.

27. Never mail cash. If it gets lost, you have no proof that it was sent.

28. Be sure that your return address is on all outgoing mail. It will be returned to you it it is undeliverable and sent via first class.

29. Save time! (Time is money!) Buy larger quantities of stamps at one time and avoid standing in long Post Office lines often.

30. Use large brown grocery bags for wrapping packages instead of buying sheets of wrapping paper. Use saved string and twine for this same purpose.

31. When shipping fragile items, decrease shipping weight by using popped corn as the packing material, instead of heavier crumpled newspapers.

32. Let postal workers suggest other methods for saving on postage costs.

33. Check your Christmas card list carefully and eliminate unnecessary names.

34. When buying sheets of stamps, save the corner "plate number blocks". They could increase in value and make excellent future "investments".

45 TESTED SECRETS TO HELP SAVE ON VACATIONS & TRAVELING...

1. When vacationing, save on transportation by staying close to home.

2. Save on film developing and printing by ordering from mail order firms.

3. Look for banks that offer traveler's checks as a free service.

4. If you decide to take an ocean cruise, take a "no frills" freighter.

5. Save on air fares by making arrangements ahead of time for special discounts.

6. You can also save on air fares by taking night flights.

7. If possible, vacation during the "off season" when prices drop.

8. If handy with a sewing machine, make your family's vacation clothes.

9. Eating away from home can be expensive. Travel with packaged snacks purchased from supermarkets along the way.

10. Discontinue newspaper deliveries while away from home.

11. Never travel on credit unless you can pay the bills when due.

12. Rental cars are costly. If possible, drive your own car while on vacation.

13. Consider sharing vacation homes. It's less costly than hotels/motels.

14. Investigate "budget motels" that charge less. Get details from library.

15. A "camping" vacation is fun and inexpensive. National parks, forest service campgrounds, etc., let you camp free or for just a small fee a night. Some even operate "rent-a-tent" programs.

16. Plan in advance. Take proper clothing along for the climate you will be experiencing so you won't have to spend vacation money on new clothes.

17. Never borrow to pay for your vacation.

18. On business trips, keep records & receipts for all deductible expenses.

19. Use toll-free "800" phone numbers to handle your accommodations. Airlines, railways, bus lines, hotels, motels, car rental chains, etc., will pay for your calls when you make reservations.

20. Consider staying at inexpensive hostels. All you need to bring is your own bath towels and bed linens. They accept all age groups. For information contact: American Youth Hostel, 1332 I St. N.W., Washington, D.C. 20005.

21. If you select accommodations with cooking facilities, you will be able to save considerably on a major expense: food.

22. When sending picture postcards, use the correct postage.

23. Vacation on a budget...and STICK TO IT!

24. Buy "practical" souvenirs that won't end up at future garage sales.

25. When traveling with pets, take along a good supply of their favorite foods.

26. Travel with a portable electric iron for quick, no-cost press jobs.

27. Carry a hot plate for fast, economical hot snacks.

28. Pack wash 'n' wear clothes and use coin operated laundries.

29. Many wash 'n' wear items can be washed by hand in your motel room.

30. Enjoy picnic-style meals in public parks. Buy food at supermarkets.

31. Carry a small sewing kit for minor clothing repairs. Also spot remover.

32. Pack shoe polish and shine your own shoes.

33. Take advantage of the free tourist attractions in cities and tourist areas such as free gardens, museums, restored villages, monuments, etc.

34. Pack a small first aid kit and save on minor scrapes,cuts, bruises, etc.

35. Have an auto checkup from a reliable home-town mechanic before you leave.

36. Leave pets with friends instead of boarding them at kennels.

37. Take advantage of hotels/motels offering special "family rates".

38. Keep tank filled so you can shop around for lowest gasoline prices.

39. Check ahead and reserve the most inexpensive accommodations.

40. You may be able to if your phone is disconnected while away.

41. Turn off the gas while away from home; also electric water heater.

42. On business trips, keep mileage record & gas receipts for tax purposes.

43. If you have friends or relatives in your vacation area, stay with them.

44. Consider renting an inexpensive camper or mobile home.

45. consider staying home & doing all the things you never had time to do.

47 PROVEN WAYS TO ECONOMIZE AT HOME EVERY DAY...

1. Wash and reuse foil wrap.

2. Save "junk mail" reply envelopes for filing recipes, receipts, etc.

3. Trade things you don't want with friends, neighbors, relatives.

4. Restrict family between-meal snacks to inexpensive and healthful in-season fruit and vegetables, home-popped corn, raisins, etc.

5. Become a "brown bagger". Take your lunch to work.

6. Save and reuse plastic sandwich bags and paper lunch bags.

7. Tie soap remnants in a piece of nylon net and use as a body sponge.

8. Crumpled up used aluminum foil is ideal for scouring pots and pans.

9. Paper towels are expensive. Use washable cloth dish towels instead.

10. Wash and reuse transparent plastic wrap.

11. Save empty plastic food containers for storing leftovers & freezer use.

12. Don't throw away anything. Save everything for a future garage sale.

13. Attend movies early when prices are generally lower.

14. Don't buy expensive gifts. Give exotic home grown plants or bake a cake.

15. Give yourself a home permanent instead of paying top prices at a salon.

16. Consider cutting your family's hair yourself.

17. Use plastic bread wrappers and produce bags for freezer use.

18. Use washable cloth handkerchiefs instead of expensive facial tissues.

19. Organize a baby-sitting club with friends & neighbors. Take turns.

20. Think in terms of doing it yourself rather than hiring someone to do it, such as home repairs, painting, garden work, cutting the lawn, etc.

21. Swap services with friends and neighbors who can do things you can't.

22. Take advantage of free recreation, such as picnic areas, libraries, public tennis courts, swimming areas, parks, zoos, etc.

23. If you're not going out to shop, leave your credit cards at home.

24. Learn about the many bargains at "no frills" discount stores.

25. Avoid spending on "throwaway" items such as disposable razors, flashlights, pens, toothbrushes, paper cups & plates, diapers, cigarette lighters, etc.

26. For parties, use reusable plates, cups, glasses, utensils, napkins-instead of expensive paper and plastic disposables.

27. Pay credit card charges when they become due so interest isn't added.

28. When buying big-ticket items, learn all about them from consumer magazines and guides before you buy. You will be less apt to make a bad choice.

29. Garage sales and flea markets are excellent for both selling and buying.

30. Start your children earning money at an early age.

31. When buying insurance, pay the premium annually. It's less expensive in the long run than paying monthly, quarterly or even semi-annually.

32. Check all monthly bills closely, including your bank balance. Big companies can and do make mistakes.

33. Examine your check at restaurants to make sure no error has been make.

34. Buy things out of season for big savings, such as after Christmas.

35. Grow your own herbs and spices in window-sill flower pots.

36. Coffee is expensive. Brew only as much as your family will drink.

37. Save and sell recyclable materials such as aluminum, paper, etc.

38. Don't spend for extra ice cubes. Store them in plastic bags in the freezer.

39. Bread becomes stale more quickly in the refrigerator. Store it at room temperature or in the freezer.

40. Learn about auto upkeep and how to do minor repairs yourself.

41. Don't look for a new apartment until after the peak renting season is over.

42. Instead of buying gorgeous house plants, get cuttings from friends.

43. If you need a lawyer, carefully investigate his fees in advance.

44. Be wary of banking gimmicks. Be sure you get the best deal in town.

45. Shop at discount and variety stores for biggest savings on cosmetics.

46. Dilute your shampoo with small amount of water - for easier rinsing.

47. Before buying anything new, ask yourself if you really need it.

44 AUTO DEALER'S TIP FOR CHOOSING THE BEST USED CAR... #FMF-15

1. Examine the car's exterior thoroughly. Look for rust, dents and evidence that portions of the car have rusted out and been repaired with body putty.

2. Look under car for breaks in the frame and signs that frame has been welded.

3. Check for excessive rusting of frame.

4. Examine condition of muffler, tailpipe and exhaust pipe.

5. Look for signs of oil or transmission fluid leakage under the car.

6. Check for signs of fluid leakage from shock absorbers.

7. Examine condition of tires, including inside surfaces.

8. Look for signs of brake fluid leaking on the inside of tires.

9. Walk around the car and check the condition of window glass.

10. Examine the condition of lenses of all lights - front, back and sides.

11. Test all lights to make certain they are functioning - headlights, taillights, flashers, backup lights, brake lights, turn signals, etc.

12. Push down on the corners of the car, front & back, to check the shock absorbers. If the car bounces up & down several times, the shocks are worn.

13. Stand back and see if the car is level. If not, the springs may be weak.

14. From a distance, look for evidence of an accident, dents, paint that doesn't match, ripples in the fenders, etc.

15. Check the spare tire. If it is cupped or worn unevenly, something may be wrong with the front end and a front tire is being used as a spare.

16. Make sure the car has a jack and that it is in good working condition.

17. Lift the hood of the car & examine the condition of the belts & hoses.

18. Check the battery to see if it is cracked.

19. Pull out the oil dipstick to see how dirty the oil is.

20. Check stickers (on doorposts or under hood) to see when the car had its last oil change & lubrication, and whether it was serviced regularly.

21. Examine the upholstery, safety belts and carpeting.

22. If the car has seat covers, look under them for wear, tears, dirt.

23. Badly worn carpeting or upholstery may be a sign of heavy vehicle usage.

24. Check the break pedal for free play.

25. Turn on all the lights one at a time and check to see they are working.

26. Take the car for a test drive over various types of roads.

27. While on the road, test the brakes for pulling.

28. Be alert for vibrations during the drive, for signs of front-end trouble.

29. If the car has manual transmission, be alert for excessive play, grabbing or rattling of the clutch.

30. Look for vibrations or unusual noises from the engine, transmission, rear end or wheels, that may be a signal of trouble.

31. Push the gearshift through its various positions and see how the car reacts.

32. Let the engine idle and be alert to noises or vibrations that could indicate a badly tuned engine or one with bad valves.

33. Be alert for any unusual odors. These could tell you that all is not well.

34. If the automatic transmission doesn't shift smoothly or is there is hesitation when it shifts, the transmission may be in need of repair work.

35. When test driving, step on the gas & look into the mirror for smoke from the exhaust. White or bluish smoke may mean an overhaul is needed.

36. Check to see how much power the car has on a hill.

37. Turn on the heater to see if it works.

38. Check out the air conditioning to see if it is working.

39. Turn on the radio.

40. Try the windshield wipers.

41. If possible, run the car through a car was to see if it leaks.

42. If possible, before you sign on the bottom line, have your own mechanic check out the car or take it to a diagnostic center.

43. Never buy a used car at night, in the rain or when you are in a hurry.

44. Have the man in charge put in writing & sign all promises BEFORE YOU BUY!