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A Dozen Ways to Save a Dollar

CI'" Ho,"""d I' a dowo.to.oarth, "If .made mllllooal" with a 'Y0dlcated "dlo ,hoW and a pop"" web"e (d"kho ,d.oom). He', the oM yo, see 00w HLNln .,Imple ,,,dlo, ,",odlog with a boom mlo<ophoMas he ta'" call' from ,'e '" aod tell' them how to save money and ma'e mooey. NoW, n HOW"d" u,iog La,... InLoanTim" I

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hi, ad,I" between twO00'''''

0", '>'0""Jointip"hospital 7) a

1) BUYyour teen a peek, the

"poor man's Blackberry," and get unlimited texts and e-mails for $10.
2) Order prescription eyeglasseS for as

gym, and yOUmost likelywill pay month to month with no fee to join. 8) Never finance a carfor longer

than 42 monthS.
9) Let online pharmacies bid

little as $7 a pair at zennioptical.com.

3) Fireyour cable provider

for your business at bidrx.com.

10) Never pay for phone service

and watch cable television for $799 a month on Hulu or Netflix.

4) If you're an occasional movie watcher, rent through redbox

.corn. which-unlike Netflix-charges yoUby the rental ($1to $8), not per month. . 5) ShoP item-a-day deal sites for electronics, where some gadgets are discounted up to 75 percent off retail. Looking for a computer? Go to dealnewS .com, which aggregates deals from more than 2,000 dealers.
6) Buy perishable groceries only as yoU need them, and buy nonperish-

again. Ifyou have Internet service, you can plug your landline into a device called an Ooma, which retailS for between $200 and $249, and pay no more than $11a year in FCC charges. 11) Use seatgeek.com, a good alternative to Stubhub, to fmd the best discounts on tickets to concerts and sporting events.
12) APply for a Fidelity Retirement Awards American Express card.

abies once a month. Howard insists people can save big-eVen get out of debt-by following this one rule.
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It deposits 2 percent cash back on all 2 purchases directly into your IRA,5 9 college savings plan, or Fidelity brokerage account. No games, no gimmicks, no limits on what yOUcan earn, and no annual fees. (This is Howard's pick for the best credit card out there.)
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