Refinance. Ask for lower mortgage interest rate, or tell your mortgage company you will drop them and refinance with another company. Let them know another company sent you notice that about this loan with better interest rate and they had no fees to complete, like your local credit union.

Get rid of Private Mortgage Insurance once you have a 20% paid on your home.

_______________________________________________________________________________

Avoid any late Fee. Never be late for loan payment.

How not to be late on your payments: One way to auto draft from your account or second is to pay extra note. For example pay your 1 January bill then on 15 January send another payment in full, then continue paying once a month. By paying one note in advance your never later again.

________________________________________________________________________________


Read the fine print of loans for fees and early payoffs.

Pay your house load on a semi-monthly basis versus monthly.

If you're renting, stop as soon as possible. Even a few years in a house has financial and personal rewards.

Can't afford to buy, find family member and buy together.

Insulate your home to reduce higher cost of heating and cooling. Sometimes you even quality for income tax credit.

Use energy-saving home improvements.

Use the sun. Long term solar panels can reduce your cost.

Get rid of not used stuff, old stuff and cluttered stuff, have a yard sale.

Plant more trees and water your yard less.

Take turns cutting your side neighbors front yard.




Find and use electricity savings guides.

Don't pay for things you don't use (much), for example cable with all those extra million channels. Look at all the charges on your cable bill and consider getting rid of some of the service(s).

Visit your local city officials and let them know your house is not worth what the city/state tax people says it is- reducing your house taxes. Check the internet and see what all yours neighbors paid last year in taxes--your higher or lower?

Lights out. Use less energy, particularly when you’re not using the device. Buy device and program your AC/Heater to cool or heat less when not home, total worth of the device initial cost.

Automate all your house bills, pay your bills via the web (from your bank) or with your billing company, saving 44 cents per bill adds up.