frog

Frugal Toad Tip: Use Shoulder Season for Your Next Cruise

Investigate booking your next cruise during the shoulder season, the first and last week the cruise line visits your point of interest, for savings of up to 50%. Be sure to check the weather before booking!

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energy

How to Lower Your Electricity Bill

Focus on High Electricity Use Items First   Perform Home Energy Audit: To identify ways you can reduce energy cost in your home use the US EPA Energy Star Home Energy Yardstick. Use a Programmable Thermostat: Cool your home to 78 degrees or warmer in the Summer. For additional savings, set the thermostat to 82 […]

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identity theft

New Credit Laws Take Effect

Credit Law Makes Major Changes President Obama signed the Credit CARD Act of 2009 into law May 22, 2009 and ushered in a new era for consumers who use credit cards. Most of the provisions took effect on February 22, 2010 with the remaining provisions taking effect on August 22, 2010. Summary of the major […]

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clothingrack

Fashion for Less – How to Save on Clothing

Make a Plan for Clothing Savings Dressing for success does not necessarily have to cost an arm and a leg. Do some research and follow these tips to save big on clothing. Inventory What Clothing You Have Remember that great winter outfit that you stashed in the spare bedroom closet? Take inventory of what clothing […]

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