Save Money with these tips

4. Save Money on Gas
Save hundreds per year by simple, zero cost or low cost tips. Read Tips for Saving Gas.

5. Shop for a bargain bank.
Look for free checking and no ATM fees. Also, if you have direct deposit of your paycheck, your bank might waive its monthly fee.

9. Take a longer waiting period for disability insurance.
If you can't work, disability insurance pays your living expenses. Many employers offer this. But if you must buy your own, accept the longest waiting period before benefits kick in -- as long as you can cover those expenses, suggests Shelly Branch, author of Dollar Pinching: A Consumer's Guide to Smart Spending. A healthy male carpenter earning $40,000 annually could pay up to $1800 a year for a policy with a 30-day wait. With a 90-day wait it could cost $800 to $1100.

10. Cancel mortgage insurance.
When you buy a house with less than 20 percent down, your lender may insist you buy private mortgage insurance (PMI) to protect against default. The average cost of this insurance is $45 a month, or $540 a year. However, once you have 20-percent equity (either because you've paid down your mortgage or because area property values have risen), you may be allowed to cancel the PMI.

16. Buy in bulk.
Items you may use a lot, such as paper towels and diapers, are often far cheaper when you buy in quantity. For example, Alan and Denise Fields, co-authors of Baby Bargains, say new parents buy an average of 2400 disposable diapers in their baby's first year alone. Diapers that cost 20 cents apiece in the packages sold at grocery shops and drugstores might go for 15 cents when bought in bulk at a discount store or warehouse club. Just a nickel a diaper could add up to an annual savings of $120.