Combine Frequent Short Trips

Instead of making several short trips for shopping, doctor’s visits, and other errands, combine these short trips into one larger trip. Arrange your route so that you can go from point A to point C without having to back track to get to point B without wasting time and fuel.

Carpool and Use Other Modes of Transportation

Two or more can travel cheaper if they “pool” their resources. Take turns with neighbors on trips to grocery store and for other errands, including activities with kids. Hop on a bicycle or walk if you’re within a mile or so of your destination. You’ll cut down on fuel use and get some exercise too!

Monitor Your Driving Habits

Watch those jackrabbit starts and don’t be a lead foot. Drive at moderate speeds - you use more fuel per mile when you drive faster than 55 mph. Limit your use of air conditioning to when you are out on highway.

Search Online for Lowest Prices

Finding lowest possible price in your area can help to lower your fuel bills, especially if you fill up often, but don’t go crazy driving all over place to save a few pennies. Search sites like

Accurate information remains on your credit file for a period of 7 years from time it is reported to credit agencies; a bankruptcy appears for a 10 year period.

Many legitimate companies exist that can help you with your debt problems. But how do you spot a scam offer ? Easy, they’ll ask you for their fees up front. By law, credit repair agencies cannot ask for payment until they’ve provided service they promised.

Additionally many states require that a credit repair service, whether they are for-profit or not-for-profit, must provide you with a detailed written contract, an explanation of your legal rights, and opportunity to cancel any signed contract within 3 days.

Also, be aware that a “credit repair offer” could be an attempt to steal your identity by getting you to provide personal information such as a Social Security number, bank account and credit card account numbers.

Always make sure you know who you are dealing with before accepting any offer to help you repair your credit. Those who don’t can have their credit ruined further and create more debt problems.