If you are pinching your pennies, here are some little things you can do. You won’t save a big chunk of money, I’ll tell you that, but every little bit helps.

As Benjamin Franklin said, “A penny saved is a penny earned.”

1) Unplug all appliances you aren’t using. Say you only use your electric can opener occassionally. Then unplug it and only plug it up when you use it and then unplug it again. Same thing for the TV. Unplug the TV when it’s not being watched. Before you go to bed at night unplug your TV. Just plug it back in when you’re going to watch it.

2) Turn off your computer at night. Many people let their computers run 24 hours a day, 7 days a week and just have a screen saver come on when it’s been idle long enough. Instead of leaving it on all the time turn if off at night and when you know you won’t be using it for hours such as when you’re going to work.

3) Use everything until the last drop.

4) Find cheap recipes to cook for meals.

5) Make sure you are using the energy saving lightbulbs instead of the now old fashioned ones. They last longer and use up less electricity. You can use them on ceiling lights and lamps. When shopping for them you’ll see a Watt equivalent so you know which ones to buy.

6) Don’t run the dishwasher until it’s completely full.

7) Don’t take long showers. Some people like to take 30 minute showers, but just take showers long enough to get clean and then turn the water off.

When drying your clothes, dry 2 loads at once.

9) If you have space outdoors and can set up a clothesline, dry your clothes outside. Being eco-friendly is cool and in now, so if anyone asks tell them you’re helping the environment by drying your clothes the natural way and not using any electricity to do it! You may even inspire others to do the same since eco-friendly has even become trendy.

Ok, I have come across some pretty ridiculous fees for various stuff, but I have finally come across the most ridiculous fee ever in the history of fees.

I recently got a new credit card, my second one. I want credit cards to improve my credit score and to have for emergencies.

My first credit card is from Capital One and I always pay my bill online with my debit card. I don’t like to deal with writing checks and going to the post office to buy stamps and all that hassle.

So I went online to pay my balance on this new credit card from Credit One and what do you know, I have to pay a $5.95 fee just for paying my bill online!

THAT’S RIDICULOUS AND STUPID!

You want to charge me a fee to pay my bill?!?!

So being frugal, I hate to throw away $5.95 when I could use that to go by a pizza at Little Caesars or a bag full of books at the thrift store, but I had no choice because my bill was due the next day and if I was late in paying it, I would be charged a $20 late fee.

So if I have to choose between throwing away $6 or $20, I guess I have to throw away $6.

Could you imagine going to a store and at the cash register, your items are wrung up and then the cashier says,  “I have to charge you a fee for shopping at our store.” You’d probably be peeved cause that would be crazy. And it’s insane to charge customers a fee for paying their credit card bill.

They already charge a yearly membership fee, interest, late fees, over the limit fees, and research fee (whatever THAT is) and they want to charge a pay your bill fee on top of that?!?!

If someone only paid their bill with their debit card, it would be literally impossible to pay off their credit card balance. If they paid off the balance in full, they would be charged that stupid $5.95 fee. Then they would just be in a cycle of paying $5.95 every month for paying their bill.

So I am going to write a check, mail it to Credit One Bank, pay off my entire balance (which isn’t much) and never, ever use that credit card again.

    There are always things we can do to cut back and save some money but sometimes we really need to bring in some cash to help pay bills and buy stuff.

So I will let you know about a brand new original e-book called “8 Methods.” If you want to get started right now making money online and with no investment, this e-book tells you exactly how.

In face it gives you 8 different methods (plus more) to make money online with little or no investment. Some methods require no investment at all while some require a small investment such as a domain name. It’s simple, straight forward, and to the point.

Anyone who has a middle school education can use these methods. Since there are 8 methods, there will be someone for everyone. No technical skills are needed. If you can read and write and put in the effort, you can do it.

After reading the e-book you can get started immediately making money.

Method 1 tells you how to bring in emergency cash in less than 24 hours so if you are in a bind and perhaps have a bill you really need paid or need help buying something you need, then use this tried, tested, and true method.

All of these methods are completely clean and honest.

To go to the super simple sales page and get this super simple e-book for $19.99, go to http://www.8methods.com

You will definitely make back the $19.99 plus a lot more if you just put in the work.