People keep asking me what my New Year's Resolutions are. Now I can't think of much I want to change about myself, other than maybe loose five or ten pounds. However -- in my management of our household finances I will recommend doing several things that --honest -- I swear I will do by the end of the month.

1) Check several of the Free Quote Rate Search sites to check and make sure my mortgage is the lowest I can get. I will -- however-- be careful not to change it if the fees and paperwork will run me more than any savings. I will compare and compare to get the best rate. If I rent, rather than own, I will start a "Get a House Fund" and put some money each week into it -- even if it is just a dollar. Additionally if a renter, I will look into the best rates for rental properties, or find a way to cut costs like having a roommate.
Free Rate Quote Sites

2) I will check the Free Insurance Quote Sites and get the best rate on insurance. These vary tremendously, so check several multiple quote sites to get the best rates.
Free Multiple Insurance Quote Sites

3) I will look into quotes for cheaper utility rate and ways to lower my utility bills. I will use Solar when possible.
All sorts of Ideas to Lower your Utilities!

4) I will try and Re-Use and Recycle every possible throw away at leat twice before disguarding it. For example, and old shirt can become Quilting material, scraps to rugs and placemates, and finally a cleaning rag, before throwing it away.
Tons of Craft and Recycling Ideas!

5) I will learn to cook at least one new Ethnic or Organic Recipe a week to help lower my food bill. Many Ethinc and Oragnic recipes are cheap as well as healthy!
All sorts of Ethnic and Veggie Cooking Sites!

Have a Great Year!

For more ideas Check out these Frugal Living Books!
Complete Tightwad Gazzette
The Complete Tightwad Gazzette

Declare Your Finanacial Independence
Declare Your Financial Independence

Complete Cheapskate
Mary Hunt's Complete Cheapskate

Miserly Moms
Miserly Moms

You Can Afford to Stay Home With your Kids
You can Afford to stay Home WIth your Kids