Instead of shelling out twenty dollars to take your family to movies, order a pay-per-view movie from your cable provider. You all can watch for price of one, and have all pop-corn and soda you want at a much cheaper price than at movie theater. Instead of going bowling weekly, try having a game night. Everyone has board games. If you don’t, pick a few up at your local thrift store.

Try making home made cleaners instead of buying them. Simple things like a little vinegar added to rinse cycle can serve as a fabric softener. Dryer sheets can be used as dust rags. Explore all your options.

You will save hundreds of dollars each year by following these simple tips.

The third group are 'professional landlords' These 'buy to let' specialists make a living from purchasing property and renting it out to cover mortgage. The difference between mortgage costs and rent is their profit. As an extra sweetener, if judged correctly, a pro landlord can sell a property and make a large capital gain, usually with good tax breaks. Anecdotal evidence collected by www.mortgagedown.com suggests a lot of selling activity from pro landlords around about 2002 to 2003, as they used good business sense to determine that property prices had climbed vertically to a point where only a crazy gambler would still hang on and 'let it ride'. The ones that exited are already in cash, and so looking forward to a crash, as it provides an opportunity to pick up new property at 'yields' that will make them instant monthly profits AND chance for rapid capital growth sometime over next 10 years. The ones that didn't exit are in business for yield, and so actual nominal price of their properties is of no real consequence to them (unless they are forced to sell up for health reasons etc). As you can plainly see, pro landlord group WANT a crash - it's a new buying opportunity, unlike current situation where flat or even negative yields prohibit prudent landlord from expanding their portfolios.

Who is left? Two more groups. The fourth group is amateur landlord, 'BTL newbie'. Sniffing scent of easy money, this crowd jumped onto buy-to-let gravy train far too late in boom, or thru inexperience or downright lack of aptitude for game bought at ludicrous overvaluations, meaning their 'investments' had to be subsidized, and HAD to appreciate in value in order to justify cost. Allegedly, pro landlords sold to this group, often utilizing service of 'Become a Property Millionaire' type seminar companies to suck in gullible and get them to sign on dotted line as well as contribute a few thousand for privilege!. Anyone who bought a 'spare' property within last 2 or 3 years falls into this group, and will be hurting badly by now. A crash will most likely wipe them out as they face decades of subsidizing tenants just for chance to get their money back, plus all hassle that goes with being a landlord (leaky roofs, service charges etc etc etc).

The fifth and last group are recent first time buyers who panicked and bought within last 2 or 3 years despite obvious housing bubble that had already formed. Whether thru fear or greed, they jumped on board housing train just before it derailed, and they will also get badly hurt in crash.

This means, of course, that 3 out of 5 groups either don't care about a crash, or actively want one. As they comprise over 80% of population, it is therefore brutally apparent that present 'perfect storm' house price crash currently building up is, in fact, in interests of majority of population! Only a small number of recent buyers with no common sense, a small pack of greedy 'wannabe landlords' and those who released insane amounts of equity from their homes to buy plasma TVs and fancy holidays will actually get hurt. Me? I'll be buying a house or 2 probably around 2006, when yield indicates it's no longer a silly purchase. Markets always find a way to punish most inept, and housing market is, after all is said and done, a market.