I don't sign up at coupon sites. I go to each individual store's site and sign up there, as monicatx says she does. NO spam... NO jammed box. Just an e-mail about once a week or so, alerting me of sales and specials. Most also send discounts around your birthday (I did really well with those!).

Car with standard transmission uses about 5 - possibly 10% less fuel. Skilfully done, car drivers can save even more. When you see a traffic signal turn yellow ahead - there's no law that says that you have to keep your foot continuing to push on the throttle! Then hit the brake, about a hundred feet from the intersection. Foot off of the throttle: coast toward the light. If you know it fairly well, you may be able to arrange to arrive close to the last car in the line just as it starts to move forward, and it takes less fuel to increase the speed while rolling that to start rolling from a standing stop. I often push in the clutch and turn off the ignition when I see a light go yellow ahead ... and can often manage to keep the car rolling as I approach a red light when it turns to green. Some say that coasting with the engine off is illegal in their jurisdiction, so best check with the legal people before you try that: the police here say that I am to be in charge of my vehicle at all times. No jack-rabbit starts when the light turns green, either. Try to arrange to travel with a friend driving a car that tells immediate fuel economy levels, get him to make a jack-rabbit start from a light that just turned green - and see your jaw drop as you see what mileage per gallon is being obtained at that point. Try to drive as closely as possible to the same speed, and a few miles/kms. per hour under the speed limit ... but not so far under as to be a hazard to the free flow of traffic. That's made easier by leaving a cushion of space between you and the car ahead ... and try not to get too incensed when other drivers pull into that hole in your lane, stealing your cushion. ole joyful

I'm sold on calling cards for long distance, but I don't make that many LD calls anymore. I have a WalMart card that started with 500 minutes (at 5¢/min) and after at least 2 years I still have nearly 400 minutes left! Plus I have another card that I haven't used so I'll probably give it to a friend who does a lot of calling. Several options out there so look around. If I went with WorldXchange, I think it's still about 5¢/min and that was 1+ dialing. Qwest (my local phone company) is about that now too. So the good news is LD phone calls have come down tremendously from a few years back when MCI was ripping me off for 29¢/min! Some like Onesuite which has gone up from 1.9¢ to now 2.5¢ per minute but if you do a lot of calling, it can be worthwhile. With the internet and email, I just don't call as much. Plus I hate telephones! They're obnoxious. But that's another thread! Now go call or email someone! :)

Some other advice... Do online shopping. There are so many options and great deals available, especially for fixtures I would advise using online pricing to negotiate better prices at local supply houses and shops. It is rarely worth the trouble to return and/or get warranty service on items purchased online. An installation of a defective item can destroy all your savings from online shopping. Many supply houses will match or give you some discount to make them a better choice. For items that are easily replaced such, such as lights, online shopping can be great as a defective light will have little collateral damage. Talk to local stores for bargain, discontinued stock, deals, clearing sale, etc This is great advice, but you must be ready to purchase when the items are available and have a means to store the item. I purchase closeout items for my rental properties that I don't currently need in anticipation of needing them. I have replacement faucets, toilets, etc waiting for breakage or lease end. Talk to the builder and get builder-discounts at some stores This should be nearly automatic. I get my painter's discount, my plumber's discount, and my electrician's discount for projects they are working on even when I buy the stuff (supply houses will usually just give me the discount even if they are not doing the stuff). Use basic standard stuff and upgrade later, especially appliances This is incredibly common bad advice. This is essentially the same thing as put your money in the toilet, but wait a few years to flush. There is only a marginal cost of upgrading today. Why in the world would you want to not only ignore the reduced cost, but increase cost by buying stuff you don't want? If you can live with cheaper stuff indefinitely, then buy cheaper stuff. Don't make your financial situation worse by buying cheaper stuff that you don't want to live with so that you can buy more expensive stuff later. Current mortgage rates are barely above inflation rates, you are not going to be better off by having a lower mortgage and deferring costs. A wild suggestion from a co-worker: Use no -interest-for-2-years credit card to buy some of the stuff instead of charging it to construction loan. Once you finish the project, then you get some time to make the credit card payment. This is not really saving anything for me. Just a suggestion to defer the initial burden. This is actually solid advice. In fact, for the last 10 years I have been carrying a zero percent credit card balance. I just balance transfer it to a different promotional card before the interest period kicks in. Interest free money is great. Even ignoring my investments over that time, every dollar I financed at zero percent interest back then is only 83 cents of purchasing power to pay off today. However, that debt should be factored into your loan app when you apply for credit. You can get in trouble increasing your debt while working out a mortgage loan.