Quick Financial Tips

• My phone bill is $8.00 a month. I took everything off it except the maintenance plan. I get a discount because I received HEAP a couple of times.
• Using coupons can mean a lot of savings, but sometimes you will save more by purchasing a different brand or a generic/store brand. Make sure you always check.
  
• Heat rises, so turn the heat down upstairs. You may also want to experiment with turning the heat down one degree each night to see what you are comfortable with.
• You may find that you are comfortable at a temperature of 63* at night, but need it a bit warmer during the day. I always turn my heat down when I will be gone for awhile.