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"  1. Request interest rate/fee reductions Depending on the balances on your credit cards, you could save hundreds of dollars each year by making a few simple phone calls. When speaking to a representative, bring up the fact that you&amp;#039;ve always paid your bills on time and often pay more than the minimum amount due. 2. Ask service providers for discounts  They may be willing to offer discounts to keep you as a customer. Simply call the company and explain that times are tough and you would like to cut costs on your bill. It may require signing up for another two-year agreement, but if you plan to have the service for that amount of time anyway, big deal. 3. Cancel unused services Unused services can eat at your household budget without providing anything in return. For example, if you find that you never use your landline phone, have it disconnected. You can also cut costs by getting rid of subscriptions to newspapers, which can often be read online for free. 4. Learn to do things yourself Have you ever considered how much an oil change costs? Sure, it&amp;#039;s only around $30, but four oil changes a year is $120. The cost of oil and a filter is around $10. See how doing things yourself can save money? You can learn many useful skills by attending evening college classes, going online, or even heading to the library. 5. Cut energy costs Some money saving tips require you to spend a bit of money at the outset. For example, switching to energy efficient lightbulbs and purchasing energy saving appliances can save you hundreds of dollars each year. 6. Cook more meals at home Eating out every night is not only hard on the wallet, but also hard on the waistline. Instead, why not find some recipes online and start cooking more meals at home? Not only can you try something new each night, but also you&amp;#039;ll save a ton of money. 7. Clip coupons The key is to only clip coupons for products you already buy. A few more money saving tips for coupons include shopping at stores that double or triple coupons, and using coupons on sale items, especially buy-one-get-one-free deals. 8. Compare prices on all purchases Thanks to the Web, you can quickly compare the cost of items at several different stores. Even comparing the cost of items in the store is easy thanks to unit prices listed on store shelves. 9. Create a list before going to the grocery store One of the biggest mistakes people make is to go to the store without a list. This not only leads to impulse shopping, but also you often get home and don&amp;#039;t have the ingredients to make a complete meal. Make a list and stick to it! 10. Seek out discount and outlet stores Stores such as Family Dollar, Costco and Big Lots can save you a ton of money. If you want to save even more, look for outlet stores. There are outlet stores for clothing and even for groceries. Before you turn your nose up at outlet grocery stores, consider this: Grocery outlets mostly specialize in items that aren&amp;#039;t old, but simply have older packaging or were discontinued.  This article originally appeared on Woman&amp;#039;s Day.   More From Woman&amp;#039;s Day:    -The Cutest Dog Costumes for Halloween   -13 Spooky Halloween Cupcakes   -11 Bizarre Things Made from Duct Tape "^^<http://www.w3.org/2001/XMLSchema#string>
<http://www.countryliving.com/life/tips/a5102/top-10-household-money-saving-tips-womans-day/>