Talk is cheap — at least, it is until the phone bills arrive.
On average, consumers shell out a little more than $1,300 a year for phone services (roughly $70 a month for wireless plans and $40 a month for a landline), according to Nielsen, a market researcher. And while many phone customers have grown accustomed to paying such sums, they could easily be paying half as much — without affecting their ability to stay in touch.
“We are a society of over-phoned,” says Sam Simon, chairman of the Telecommunications Research and …

Getting a handle on the household finances will be a defining theme for many consumers in 2009. But with a litany of different accounts — credit-card accounts, savings and checking accounts, not to mention IRAs, 401(k)s and money markets — to complicate our financial lives, that goal may be difficult to attain without a little help.
Fortunately, getting your financial house in order for the new year is just a mouse click away. A slew of new web sites allow users to organize and track various accounts from one location. These …

The below three tips can save you tons.  The great thing about them is that they are simple and easy to implement.  According to conservative Joe Money estimates, you can easily save over $1,000 a year with these tips.  You even have the potential to bring in some additional cash.  As Jim Cramer would say, Booyah!
STOCK UP ON CASH
Using cash is a tried-and-true way to save and live within our means, since unlike credit cards, we can actually see how much we’re spending. Credit experts say we tend to …