Last updated: 1/2012

owering Your Bills and
Saving Money on Products and Services All Year Long

Get your piece of the pie! Let me show you how.
Are you tired of seeing others succeed and always seem to get great deals on things you¡¯d like to have but can¡¯t afford? Does it always seem like you missed out on the last ¡°big thing?¡± It doesn¡¯t matter whether the economy is good or bad; you can take advantage of opportunities to make better deals and save money. The major premise of this guide is that, with the proper attitude, thinking, and a little planning, you can find opportunities where others see problems. They¡¯re everywhere, all the time! This e-book provides dozens of techniques anyone can use to save money on monthly bills and purchases, big or small. Click here to purchase now.
Frustrated because it seems you need to have lots of money to make money? Learn how to stretch your current income instead.
Too many books and ¡°systems¡± out there in the market showing people how to save money and make money are aimed at people who already have plenty of money! You¡¯ve seen them advertised on TV infomercials, on the Internet, and elsewhere. Complicated books, computer software, and courses that cost hundreds of dollars to buy and are difficult if not impossible for the average person to learn and use successfully.
Investing in stocks? That takes money!
Investing in real estate? That takes time and money!
Starting a business? That¡¯s a risky, time-consuming venture that may never make money!
"Get rich quick" schemes? They're usually scams that almost certainly result in you losing money!
But would you invest less than the cost of pizza and a movie if it was guaranteed to help you keep more of your hard-earned money every month? Read on to learn about a risk-free way to end up with hundreds of dollars more every year.
This book shows you how to have more money every month - guaranteed
It¡¯s about saving money on things you need to buy anyhow and getting a better deal on things you¡¯d like to have. This easy-to-read, 62-page guide contains dozens of unknown, overlooked, and secret-but-proven techniques that anyone can use to save money and avoid getting ripped off in the process. Plus, see below for information about a free 21-page bonus section.
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I don¡¯t believe in hype, just results
I grew up in a single-parent, middle-class household in suburban New Jersey, just outside of Philadelphia. My mother was a bank secretary and my father an insurance salesman. I delivered newspapers and mowed lawns as a teenager, and worked my share of minimum wage jobs and borrowed lots of money to get through college. So I know how hard it can be to earn a paycheck.
I was the first in my entire family to graduate from college. I earned degrees in Education from Purdue University and The Ohio State University and hold a teacher license. Since 1982, I have served as a professor at two major public universities. I have devoted my career to helping people gain knowledge and skills to improve their lives: I have taught courses and workshops and written for all types of audiences, from grade school students to working adults.
I am skeptical of the proliferation of ¡°junk¡± information (that¡¯s the nicest word I could think of) posing as facts on the Internet and offered through ¡°get-rich-quick¡± schemes and scams. For well over a decade, I have thoroughly researched reputable sources of information and carefully perfected nearly all of the techniques included in this book by using them myself. Not theory ¡­ just proven practice and practical information! I am confident you will get the money-saving results you seek by buying this book and I¡¯m willing to put my money where my mouth is. If you read on, I¡¯ll prove it you.
This book is:
A source of no-nonsense knowledge to help you be a more educated consumer.
Full of proven, practical techniques anyone can use to negotiate better deals and save money on purchases big and small.
This Book is NOT:
A ¡°get rich quick¡± scheme.
A source of ways to unfairly take advantage of other people.
A proponent of illegal or unethical methods of saving money.
Brand-new 2007 edition updated with even more ideas
Since the time first edition of this book was published in 1991 and advertised in national publications such as USA Today, many new ways to save money have arisen, from discount ¡°superstores¡± to online shopping sites. This revised edition has been expanded and updated to include Internet-related and other money saving tips that are now available, as well as help you steer clear of the additional tricks and scams that have accompanied new opportunities.
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¡°Get Rich Quick¡± is for Dummies, Idiots, and Fools
As I mentioned, this book is NOT about get rich quick schemes; most of those are scams anyhow. The basic philosophy of this book has never changed since I wrote the first edition more than 15 years ago: you can save money in little ways everyday ¡­ and it can add up to big savings! You don¡¯t have to be rich or famous, although by using many of the ideas in this book ¡­ who knows!

Here are some of the many topics you can find in this practical book:
Section 1 ¨C Strategies for getting a better deal on almost anything
Where and when to buy merchandise to get better prices
Even in large department stores, there are easy ways to get savings
How to ask for a better price anywhere you shop
How to get extra stuff for free
Special tips for buying or selling a car and important differences between buying from or selling to a car dealer instead of an individual
Don¡¯t fall victim to this scam when selling your car.
How to find great deals on surplus vehicles.
Section 2 ¨C Saving big bucks on big decisions and big-ticket items
Tips for buying a home
Special money-saving mortgage programs you may qualify for
A simple technique to save thousands over the life of your mortgage loan.
How to connect to utilities and get the best prices on home-related services when you want to switch or move in one simple step.
Simple steps to take to avoid foreclosure and keep your home if you are unable to pay your mortgage.
How to choose a home contractor
Section 3 - Simple ways to save money on monthly bills and regular purchases
How to lower your auto insurance bill, whether you buy from a traditional agency or a ¡°dot com¡± company online.
How you can save money using credit cards
How to avoid spending too much at the supermarket
Avoiding the risks of coupon clipping
Dozens easy ways to save on home energy costs and how to qualify for federal tax credits for energy efficiency
How changing one small habit could save you $1,000 a year
Get your favorite products free for the asking
How to get paid more without leaving your company (and without getting another job)
How to save on costs of driving your car.
Free sources of information for comparing prices for insurance, phone bills, travel, etc.
How to get a truly free credit report with no strings attached
How to lower your credit card interest rate with a five-minute phone call
Learn a 100 percent legal way to receive high-definition television channels without paying a monthly fee to the cable or satellite company.
How to escape getting stuck with a big tax bill if your ex-spouse cheated on your tax returns.
How to get your tax refund faster without paying a preparer for a advance refund loan.
A simple technique for turning a product or service complaint into free stuff for the asking
How to get free computers for your home school or organization.
Get your employer to pay for your commuting expenses.
How an overweight pet costs you money and other ways to reduce pet expenses.
Tips on reducing the cost of prescription drugs and learning how not to get ripped off if you buy them online.
Find an affordable camp for your children that meets their interests.
How to save on college costs for yourself or your children.
Dozens of free or inexpensive services the government provides that you probably overlooked.
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I¡¯m so certain your life will be better by using this book that I lowered the price 20 percent ... after expanding the content by 196 percent!
The 28-page print version of the first edition of this book was advertised in publications such as USA Today in the early 1990¡¯s for $24.95, plus the additional cost of shipping and handling. The current version of this book is jam-packed with even more saving money ideas and resources and is now a whopping 62 pages. (Plus see below for information about a new 21-page bonus section!) But because this is now an ¡°e-book,¡± I can save the cost of printing and offer it to you for just $19.95! (All you need is a computer with a free PDF reader to view or print the book.) But I reserve the right to raise the price at any time based on buyer demand.
Who will benefit from this book?
Just about anyone wanting to save money on monthly bills and learn ways to get better deals. Whether you are living from paycheck to paycheck, a single parent, a recent college graduate, a homeowner, or retiree.
If you are a financial expert such as an accountant or investment banker, you may not get as much from this book. But I bet even you will easily get your money¡¯s worth from buying and using this book. I have a Ph.D. but I have found I have learned far more practical knowledge from experience and my own research than from my college courses.
All you need is the ability to read English and access to a computer with a PDF reader (such as the free Adobe Acrobat Reader). Most computers already have such software installed.
The book is aimed at U.S. residents but people from Canada or other western nations will probably still benefit from using many of the basic ideas and techniques offered in this book that are not country-specific. (Even the U.S. government resources provided are generally useful to anyone.)
Easy math: Invest twenty bucks, save a fortune?
This e-book could save you hundreds of dollars per year. I guarantee you will agree the money-saving tips and strategies included in this book will be worth at least 10 times what you paid for it or I¡¯ll buy it back from you for the full purchase price. And I¡¯ll give you eight weeks to make sure!
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FREE BONUS
If you order now, I will include a new 21-page bonus section entitled ¡°Buyer Beware!¡± that provides a valuable compilation of numerous warnings and tips on common scams, misleading sales pitches, and attempts to defraud you of your hard-earned money. Nearly all information has been obtained or verified from reputable university or government sources, including the (U.S.) Federal Trade Commission (FTC), Federal Communications Commission (FCC), etc.
How to recognize and avoid telephone and online scams (telemarketing & Internet, & mail fraud)
When is a sale really a bargain?
How to get off telemarketing and junk mail lists.
Avoiding trial offers with hidden ¡°gotchas.¡±
How to protect your credit and your identity from theft.
Learn to recognize ¡°hard-sell¡± when you see it
How to avoid auction scams
How to settle a dispute with an automobile manufacturer.
¡°Free¡± stuff that could get you in trouble
How to determine the credibility of web sites.
Start now, save now!
What are you waiting for? You have nothing to lose but some of your bills and the cost of things you¡¯d like to buy. The sooner you learn the tips and techniques in this book, the sooner you can start saving money. And the more you¡¯ll have to buy what you want, take a vacation, have more money to put your children through college, build