If you're looking to save a few more dollars, these tips on cutting your grocery, utility, and personal-care bills, among others, are worth a look.
By Christine Benz | 04-07-11 | 06:00 AM | Email Article

32. Run appliances at off-peak hours when usage rates are lower.

33. Switch to CFL bulbs or dimmed lights (dimmed lights use less electricity, and may promote romance!).

Christine Benz is Morningstar's director of personal finance and author of 30-Minute Money Solutions: A Step-by-Step Guide to Managing Your Finances and the Morningstar Guide to Mutual Funds: 5-Star Strategies for Success. Follow Christine on Twitter: @christine_benz.

34. Conduct an energy audit of your home (for example, check air leaks through window frames, door frames, and attics)

35. Turn down heat (or turn up your air-conditioning, depending on the season and the climate where you live). In colder climates, learn to love fleece and buy a warm comforter for your bed.

36. Switch from a premium cable package to a basic one or watch TV online via websites such as hulu.com.

37. If you like your current cable package but it's been getting more expensive, call your provider to see if you can take advantage of any discount packages available. If that fails, threatening to drop your package should get you results.

38. Head to your local library for DVD rentals; drop your  Netflix  subscription.

39. If you aren't using items (such as lamps, VCRs, a clock radio in guest bedroom, and so on), turn them off or unplug them.

40. Switch to energy-efficient appliances when it's time to replace (or even if it isn't).

41. Only do full loads of laundry.

42. Switch to a front-loading washing machine, which can accommodate larger loads than top-loaders.

43. Hang clothes, sheets, and towels out on the line to dry in the breeze.

44. Fill your dishwasher before running it rather than cleaning partial loads.

45. Drop your phone landline and use your cell phone exclusively instead. You'll be able to keep your long-held home phone number.

46. Conduct an audit of your cell-phone usage: Cut cell-phone minutes or switch providers.

47. Consider sharing cell-phone service with family members or friends; you can usually add additional lines for a small charge per month.

48. Cut your phone bill by using a Voice over Internet Protocol service such as Vonage .

49. Couples: Switch to one car from two.

51. Switch to a more fuel-efficient vehicle. This can be a particularly good idea if you log a lot of miles on the road, but it might not be cost-effective if you don't drive as much.

52. If you don't log many miles, investigate a car-sharing service, such as Zipcar , or rent a car rather than paying for maintenance and insurance for your own vehicle.

53. Bike or walk to your destinations rather than drive.

54. Use public transport; your community may offer senior discounts.

55. Wash your car at home rather than paying for car-washing services.

55. Check out websites like gasbuddy.com to find the lowest gasoline prices in your area.

Home Maintenance
56. Cut your own grass and tackle your own landscaping

58. Reduce your dependence on chemical-based lawn-maintenance services. Your grass might not be as perfect, but you'll have more money in your pocket and fewer chemicals on your lawn.

59. Drop your house-cleaning service or switch from once-weekly service to once every other week.

60. Tackle your own home improvements.

61. Swap services with other retired folks; for example, you'll cut grass in exchange for cooking.

Personal Care
62. Experiment with drugstore brands to replace expensive department-store cosmetics.

63. Do your own manicures and pedicures.

64. Stop buying dry-clean-only clothes; learn to iron instead.

65. Walk, bike, or work out at a community recreation center rather than paying gym fees.

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