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" Dial S for Savings! If you can stomach the voice-activated menu hassle, a few simple calls to your cable, phone, and insurance providers might save you hundreds a year. First, consider which services you can sacrifice. &amp;quot;We couldn&amp;#039;t give up our home phone number, because it was the only one my husband&amp;#039;s grandmother could remember,&amp;quot; says Jen Carlston, 33, of Woodinville, WA. So she ditched the landline \u2014 but kept the number by switching it to her family&amp;#039;s cell plan, resulting in an annual savings of $480. Do you really need cable when you can get most of your shows from Netflix or watch them at hulu.com? Call the cable company and trim the channels you don&amp;#039;t watch, or at least see if you can negotiate a lower rate. When it comes to car and home insurance, shop around, then call your current insurer and ask if they can match competing rates. Coupon Do&amp;#039;s and Don&amp;#039;ts    DO use them with pride! &amp;quot;There&amp;#039;s an average of $350 in savings in the paper each week,&amp;quot; says Teri Gault, founder of thegrocerygame.com. &amp;quot;In this economy, coupon use has been on the rise,&amp;quot; she adds. &amp;quot;Most anything that anyone buys eventually has a coupon for it.&amp;quot;  DON&amp;#039;T rely only on the Sunday paper. &amp;quot;Coupons can be automatically sent to your phone, loaded onto your supermarket club card, or printed off the Internet,&amp;quot; Gault advises. &amp;quot;Coupons.com and couponsurfer.com are some of my favorite sites for coupons,&amp;quot; says Suzanne Womack, 43, of Cleveland, TN. Is there a new product you&amp;#039;d like to try? Check out the manufacturer&amp;#039;s website; many have coupons you can download and print.  DO keep coupons organized and accessible. &amp;quot;I store my coupons in a little binder that I keep in the car,&amp;quot; says Rachel Lewis, 39, of Columbus, OH. &amp;quot;That way, when I need to stop on the way home from work, the coupons are right there.&amp;quot; Stefanie Schmidt sorts coupons by expiration date. &amp;quot;Every month, I&amp;#039;ll sort the coupons to make sure I use them before they expire,&amp;quot; says the 31-year-old from Las Vegas. &amp;quot;I also note on my grocery list if I have a coupon so I make sure to use it before it expires.&amp;quot;   DON&amp;#039;T toss what you can&amp;#039;t use. Share unused coupons with friends or family members. &amp;quot;We have a box at work where we put coupons that we don&amp;#039;t need so someone else can use them,&amp;quot; says Denise Gaylord, 55, of New Bern, NC.  Log On to Save Big &amp;quot;I buy designer baby clothes in good used condition on eBay for next to nothing. The trick is deciding what you would pay for the item, including shipping, and not going over that amount. Don&amp;#039;t fall in love with the item \u2014 just have fun with the bidding and know there will always be more to bid on in the future!&amp;quot; \u2014 Mandy Etheridge, 34, Atlanta &amp;quot;I swapped an artificial Christmas tree on Craigslist. I moved to a new house with lower ceilings, and the other woman had moved to a house with taller ceilings. I had a 9-foot tree; she had a 7-foot tree. Cost was $0, except for gas to drive 30 minutes to make the exchange.&amp;quot; \u2014 Aubrey Miller, 30, Cherryville, NC &amp;quot;Freecycle.org is awesome for getting free, high-quality stuff that someone doesn&amp;#039;t want anymore. In my experience, people are honest about the condition of the item they want to get rid of. You just have to respond first and pick it up.&amp;quot; \u2014 Dawn Nelson, 33, Lomira, WI "^^<http://www.w3.org/2001/XMLSchema#string>
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