Refinance

If you are on an ARM (adjustable rate mortage) now might be the time to go to a fixed rate. It could save you lots of money but do your research first and make sure the rate is better before you sign.

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A Family of 5's quest to forget the Joneses.

Research

If you are looking to buy a big ticket item make sure it is the best for you (quality and price). Do your research on-line and save the gas charges. I found our van this way and got a $1000 off the sticker price because I did my searching on-line.

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A Family of 5's quest to forget the Joneses.

Reuse

Lots of items have other things you can do with them if you just put your creative mind to work. Example: Ice cream buckets with lids make a great place to store crafts, toys and can make a great sand castle or shell bucket for the beach.

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A Family of 5's quest to forget the Joneses.

Recycle

It is definately a green thing to do and it can save you money as well.

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A Family of 5's quest to forget the Joneses.

Ride

Comuter trains, buses, bikes, trollies, really any public transportation. You can save gas and parking money.

Ride sharing falls under this catagory as well.

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A Family of 5's quest to forget the Joneses.

Rewards

Sign up for reward programs to places you frequent.

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A Family of 5's quest to forget the Joneses.

Q-Quality-buy quality products in the beginning and you wont need to replace as often





R-Reduce,Reuse and Recycle

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Rain check

-If a store is out of a certain item that is on sale ask for a rain check at the customer service desk. Many times they will give you a rain check for that item, and sometimes it doesn't expire for a month (be on the lookout for coupons during that time for extra savings).

Reupholster

-Instead of buying new furniture compare the price of having it reupholstered.

Rice

-Frugal food.