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CELL PHONE SERVICE: PREPAY



GADGETS: HIGH TECH FOR LOW PRICES

OPTION 2: Accept your eye on a agenda camera or MP3 player? Ask the abundance administrator aback a newer archetypal will be appear (often October and November). Beforehand, companies tend to carve prices on the earlier models, or array the account with extras, like a chargeless printer.



FURNITURE: TAKE A SEAT

The best time to buy appliance is about the end of summer or aboriginal in the year, aback retailers charge to accomplish allowance for new inventory.

RETAIL & FURNITURE: NEGOTIATING POWER

Ask to allege with a manager; they accept the best ability to accommodate with customers, says Jaclyn Hirschhaut of the American Home Furnishing Alliance in High Point, North Carolina. Every abundance is different, but you can usually argue a amount bottomward by about 10 percent.

NEW CAR: DON’T SHOP THE SHOWROOM

Instead, alarm your bounded dealership and ask to allege with addition from the Internet sales administration (they get paid on volume, not commission, so they charge to advertise lots of cars, not addition their accumulation on anniversary one).

NEW CAR: VIRTUAL TESTDRIVE

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USED CAR: FIND CHEAPER WHEELS IN THREE EASY STEPS

FARMERS’ MARKET: GO LATE IN THE DAY

For the centermost discounts, appearance up one hour afore the bazaar closes. (Farmers don’t appetite to cull a lot of unsold aftermath aback home.)

FARMERS’ MARKET: EAT YOUR (LEAFY) VEGGIES

Buy your blah from the agriculturalist who sells alone corn, and your greens from the agriculturalist who grows alone abounding veggies. “Farmers who specialize in one blazon of crop generally accept the best prices,” says Avia Hawksworth, a brigand for Continued Meadow Ranch in St. Helena, California, “because they don’t accept to circle assorted crops, which requires added acreage and added labor.”

DATE-NIGHT DINNERS: FEAST FOR LESS THAN A FORTUNE

DATE-NIGHT DINNERS: BYOB

PRINTER INK: SWITCH FONTS

PRINTER CARTRIDGE: THINK INK

DESIGNER FASHION: JOIN THE CLUB

DESIGNER FASHION: SOMETHING BORROWED

GYM MEMBERSHIP: SNAG BACK-TO-SCHOOL BARGAINS

We all apperceive about the January deals, but September, aback kids go aback to academy and parents are chargeless to assignment out, is additionally a acceptable time to get a discount. Live in a academy town? Gyms will generally carve fees during the summer, while gyms in resort towns do so during the off-season. Pay for an absolute year up front, and abounding clubs will tack on a few added months for free.

GYM MEMBERSHIP: DITCH INITIATION FEES

Ask the agent to abandon the admission fee—typically $50 to $150, Melstrand says. (They’re best acceptable to do this if you’re switching your associates from addition gym, or if you were ahead a affiliate of the gym you appetite to join.) Aloof abutting a gym? Appeal a chargeless training affair with one of the club’s most-experienced trainers. “Many gyms will bandy this in for new members, but they usually brace you with the newbie trainers,” Melstrand says.

FRESH FLOWERS: AVOID THE HOLIDAY RUSH

Sending a floral boutonniere for Valentine’s Day, Mother’s Day, or addition holiday? Adjustment at atomic a anniversary beforehand, and accept it delivered two to three canicule aboriginal to abstain the anniversary markup—typically 10 to 20 percent. During nonholiday weeks, boutique on Tuesdays, generally the slowest sales day of the week. Additionally be abiding to ask the florist to accomplish a boutonniere application whatever flowers are in season. “As with produce, you’ll get the best accord on what’s growing now and it will additionally be the best quality,” says Berry.

CAR INSURANCE: SCALE BACK

OPTION 2: Afterwards answering several screens’ account of questions on InsWeb.com, you’ll accept auto allowance quotes from four agencies. (You’ll accept to analysis out Geico.com and Progressive.com separately.) “Reassess your advantage already a year, or any time you accept a above activity change such as accepting married, accepting divorced, or accepting a adolescent alpha active or go abroad to college,” says Jeanne Salvatore of the Allowance Information Institute.

AIRFARE: CALL AT 12:01 A.M. WEDNESDAY

That’s the best time to buy airline tickets, according to Peter Greenberg, biking editor for CBS News. The worst? Weekends—airlines usually activate their behest wars by Saturday. Plus: You may acquisition the cheapest fares by calling the airline rather than booking online, says Greenberg.

DRY CLEANING: FIND COUPONS

DIY (DRY-CLEAN IT YOURSELF!)

CLICK HERE FOR SAVINGS

PriceProtectr.com absolutely does what you consistently beggarly to do: It monitors aback your ambition account items—or purchases you’ve afresh made—go on sale. Aloof archetype and adhesive the URL of the account assimilate the armpit and you’ll get an e-mail aback the amount changes.

Groupon.com negotiates one bounded accumulation accord per day in added than 60 locations beyond the country—say, bisected off Bollywood ball classes or a chargeless entrée at a accepted restaurant. As continued as abundant bodies assurance up, the accord is on. Register for the site’s bounded e-mail bang and you’ll get circadian missives agreeable you to accompany hundreds (if not thousands) of strangers to advantage your aggregate acceding power.

TheDealMap.com aggregates bargains from sites all about the Web. Aloof blazon in your zip code, accept the class of accord you appetite (such as “events and attractions,” “hotels,” or “home and garden”), and up ancestor a map of your breadth with the locations and capacity of anniversary advertisement or sale.

eBates.com snags you 4 to 7 percent banknote aback on online purchases at bags of banker links on the site, from World Bazaar to Home Depot to BlueFly. Aloof go to eBates, and bang on the online boutique you appetite to visit. The armpit will accept a fee for apropos you. They additionally breach the fee with you, so you get a analysis in the mail forth with your new blender or sandals.

APPS THAT SAVE: ERRANDS MADE EASY

Find Bounded Backyard Sales: Backyard Auction Treasure Map pulls bounded backyard auction listings from Craigslist and alike maps your avenue from one to the next. (Free for iPhone at YardSaleTreasureMap.com)

Save on groceries, prescriptions, coffee and more: Don’t absence our adapted 2008 and 2009 money-saving guides

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