On the Frugal Side

SmartMoney

Sample

tip:

If you're trying to be frugal, you maywant to skip the "Best of Everything"story in the December 2004 issue of. Among several goodies, themagazine's list features a $1400 watch, a$10,000 plasma TV, a $6700 club chair,and a $2000 bottle of single-malt scotch.Cheapskates and would-be penny-pinchersmay be better off visiting Bankrate.com and clicking on "331 Ways toCut Costs," which includes 17 energy-savingtips, 16 ways to cut down on gasolineexpenses, and 19 ways to lower thecost of using your credit cards. Always send your credit card paymentin early; late payers get slapped witha fat late charge of $25 or more and mayget kicked up to a higher interest rate.