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Top 20 frugal $ense tips
Here are the 20 best tips culled from your entries in this month's Frugal $ense contest. Click on any of the links to read a tip and rate it. You may rate as many tips as you'd like, but please only once per tip. See rules.

The tip with the highest average at the end of the month earns the tipster $100!

Kathy Peterson, of Delaware, Ohio, won $100 for her cost-cutting tip, which was rated No. 1 by Bankrate readers last month. For more information on this tip and its author, read our interview with the Frugal $ense contest winner.
 

Winning tip:

Get HDTV for almost free
"After buying a fantastic new large screen LCD HDTV last year, we decided to try to cut costs when gas started pinching us this year. I suggested canceling cable, but my husband was reluctant to cut out the cable bill because he said that it would be a waste to have the big fancy TV on an analog signal. However, after some research, I discovered that my TV was equipped with an OTA tuner allowing it to receive digital signals over the air (If you do not have an OTA tuner installed on the TV, you can buy one separately). After some research, we bought a digital antenna for about $75 (looks a bit fancier than the old rabbit ears) and hooked it up to see how it did. Well, we have since canceled cable because the OTA HD signals are even crisper than those we received from the cable company."
Kathy Peterson, of Delaware, Ohio

Top 20 money-saving tips
ENTERTAINMENT
 Share the cost of dinner
 Watch FREE movies online with your family!

AUTOS
 Buy the car repair manual before you buy the car.

MISCELLANEOUS
 Trampoline pole foam covers
 Coffee to go
 How to save a ton of money!
 Christmas without money?

HOUSE
 Free paint
 Save the environment and energy too
 Steam your clothes and wear more than once
 Free granite walkway makes you look rich
 Dye those tired-looking clothes instead of buying new ones

 
ENERGY
 LED lighting
 Free water for plants
 How to take a navy shower

TRAVEL
 Flying to family

SAVINGS
 Free interest
 Leveraging employers to get corporate or office discounts.
 Rule of three's

 

Enter the contest
Enter your money-saving tip now -- you could win $100! Submit your tip

More money-saving tips
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NATIONAL OVERNIGHT AVERAGES
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48 month new car loan 6.56%
1 yr CD 3.67%
Rates may include points
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