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Saving and Budgeting Basics 

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How to Save Up to $3,000 a Year By Owen Thomas and Amy Kover

Twenty ways to plug hidden financial leaks.

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Nato Welton

The Leak: Paying Bills by Snail Mail

The fix: The average household receives about 15 bills a month. With stamps now at 44 cents each, you spend about $79 a year just on postage―and don't forget the late fees if your checks get lost in the mail. Save time and money by signing up with the billers' customer-service departments to have your bills paid by credit card or automatic debit; payments will be documented on your monthly bank statement. If you want more control, almost all major banks offer free online bill payment, which lets you schedule payments in advance.
Savings: Almost $79 a year in postage.

Next: The Leak: Using Cash to P...
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Vacuum-packaged salmon, flounder, and tilapia fillets and bags of frozen shrimp cost 20 to 40 percent less than their counterparts at the fish counter. (If that sounds unappetizing, consider that most “fresh” fish has been previously frozen during transport.)

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