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savingtools.com: How to Save Money

At savingtools.com, we bring you hundreds of money saving tips as well as our easy to use financial tools. Nobody else offers you more ways to save money. Lower your bills, reduce debt, and start spending your money smarter...now.  We want to help reduce your electric bills, gas bills, mortgage payments, insurance premiums, credit card costs, and more...

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Debt Reduction

Debt Reduction Tips and tools to help with debt reduction.

Banking

Banks and Credit UnionsGreat ideas for saving accounts and investments.

Cell Phones

Cell Phone TipsWays to save on your cell phone bills and equipment.

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Insurance TipsTips for auto, life, and home insurance.

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VOIPSave on home phone service and VOIP.

Mortgage

Mortage and LoanCut the monthly cost of your home mortgage with these great tips.

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Credit CardsLow interest credit cards, gas rebate cards, balance transfers...

Energy

Energy Saving TipsConserve energy and save money on electric service and natural gas.

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Other Tips Save money on medical, auto, dining, taxes, small business, and more.

What can we do for you?

1. Come see our unmatched articles and tips...you'll learn how to save money and lower your bills.

Putting money aside for the future is hard to do. How much cash should you save? How are you be sure you made the right decisions? We'll help you make a plan, put together a realistic budget, and get more for every dollar you spend.  Take advantage of our tips that help you save money, spend it wisely, and get a handle on your bills. Electric bills, telephone bills, mortgage and rent, banking, credit cards, insurance premiums, and much more...even items like entertainment and food expenses. Nobody else brings you more ways to save than savingtools.com.  You'll get control of your debt and improve your financial future.

2. Read our frugal forums.

Tons of forum readers like you have shared great ideas for saving money...share your own too. Our forum area also has blog posts written by readers in your situation. It's a great opportunity to read advice from others, or post your own thoughts that might help others.

3. Compare and Start Saving Today

Compare, switch, and you will save on your bills. 

More comparison tools coming soon!

Spotlight Story

Bill Consolidation: A DIY Guide

Posted In:  debt reduction

Taking on bill consolidation by yourself? You've likely seen the ads for companies that offer to consolidate all of your monthly payments into one payment with an overall lower interest rate and payment amount.  The allure of bill consolidation is high, but many of these companies are not reputable, and even those that are will charge you handsomely for the service.  What if there was a way to achieve the same result by doing it yourself?

Well, there is a way to do it yourself, but there's no real magic. Just some good old-fashioned analysis to see how big the problem is, a plan to address the problem, and then starting the real work.  Here's some guidance on how to get started with a DIY bill consolidation project.Read the rest...

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Here at savingtools.com, we aim to provide you with terrific tips and tools that help you save money and lower your bills. Read more about us here.

What people are saying about savingtools.com:

Dorothy from Lubbock, TX says:

I was drowning in bills, and didn't know where to start. A friend told me about savingtools.com, and it was a terrific way to get started finding ideas on how to get control of my bills and save money every month.

Stacey from Arlington, VA says:

While I don't have huge financial problems, I wanted to start getting ready for my retirement, and have a little more left over at the end of the month for emergencies. The tips and tools at savingtools.com were invaluable. I was able to reduce both my home phone bill as well as my mortgage payments using information I found on the website. That little bit of difference means that I'm now able to put money into the 401k plan at my workplace, and feel less stressed about retirement.

Phil from Manchester, NH says:

Well, I still have a long way to go, but things are looking up. My credit card spending had gotten a little out of control. I didn't know how to get control of my finances and the bill collectors were hot on my tail. I was going to call one of those debt consolidation firms, but decided to do a little research on my own. SavingTools.com wasn't the only site I used, but it was one of the best. While I'm still not completely out of debt, I was able to refinance my home at a lower rate, and dropped the payment $300/month. That money is now paying down some of those credit cards, and I can finally breath. Thanks guys!