No matter how tight things are financially for you; no matter how 
bleak things look, if you are earning a paycheck then there's 
extra money hiding in it. You just need to know where to look. 
Here are 10 more ways to bring that money out into the open. 

1. Pay some of your bills tax free

Many employers offer a "Flexible Spending Account" (FSA) which 
is a way for you to use payroll deduction to reimburse yourself 
for family medical expenses like co-payments, eyeglass 
prescriptions, parking and gas for medically necessary trips 
and other authorized medically-related expenses that insurance 
doesn't cover. You can put aside up to $3,000 pre-tax per year.

2. Enroll in discount programs if you're under-insured

If you have inadequate health insurance coverage or no coverage 
at all, there are plenty of discount medical plans available 
which provide quality medical attention at group rates. A Google 
search under "medical discount plans" will get you started. 
Beware of scams and check a plan out thoroughly before you join.

3. Buy One Get One Free

When the grocery store offers "Buy one get one free" on something 
that you use regularly, buy as many as the rules and your wallet 
allow. Store the extras in your pantry or freezer until you need 
them. Even better, split the cost with a friend. That way you 
each get an item for half the price.

4. Keep an eye on your cell phone plan

Know the expiration date of your plan and start looking for new 
deals at least 30 days before the plan expires. It's likely that 
you can get more minutes, fewer roaming charges and no long 
distance charges by simply looking around. If you let your plan's 
anniversary date roll by then you may be stuck for another year 
paying more than you should.

5. Watch your home telephone bills

Today there is a lot of competition for delivering dial tone and 
even cable TV companies are offering telephone service. Some 
of these new services are VoIP (Voice Over IP) or "Internet 
telephone" while others are real PTSN (Public Switched Telephone 
Network). Most plans offer unlimited long distance anywhere in 
the USA while others extend the plan to include Canada as well. 
You can save hundreds per year my switching to one of these 
carriers.

6. Lock in the rewards but ONLY if you've got the discipline

As competition heats up among credit card issuers, more and more 
card issuers are offering cash back and other "buyer rewards". 
Some of these programs can add up to real savings over a year. 
If you've got the discipline, pick a card that offers the best 
rewards program and then pay as many of your usual bills as you 
can by credit card instead of check. Then, at the end of the 
month, PAY THE CREDIT CARD IN FULL so you get the rewards but not 
the interest.  Even a 2% cash back deal adds up to a lot of money 
in the bank if you pay as much as possible through the card.

7. Get your daily news online

If you're paying as little as .50 every weekday and $1.50 on 
Sundays for the newspaper then you're paying $208 for what you 
can get for free if you're on the 'net. Most major newspapers 
have a web edition and all of the major comics are online as 
well. If you can't live without the Sunday paper then just 
cancel the weekday edition.

8. Make sure your money works harder for you

Open a savings account at http://www.OrangeAccount.com . They 
pay the highest interest rate of any online bank, and there are 
no fees and no minimum balance required to open an account. 
Stuff your weekly savings into your account and let the power 
of compound interest help make you rich.

9. Refurbish, Recycle and Resist

Garage sale items can look good as new if you give them some 
tender love and care. Charity stores, the Salvation Army, 
consignment stores and tag sales are all great places to save 
a lot of cash. Resist buying new when gently used will do the 
trick.

10. Think frugally

Make money have to fight in order to leave your pocket. Before 
you spend a penny on anything always stop and think: "How can I 
get this for less?". Even better, start thinking: "How can I get 
this for free?".

Don't think of each of these tips as 'only a few bucks'. Think of 
every dollar that you save as a 'money tree'. Plant it where it 
will do you the most good -- in your pocket instead of someone 
else's.  That's thinking smart! 

Robert Dickson Writes For MoneyAide.com,
The Personal Finance Resource.
Download His Free Report,
"Save More Than You Ever Thought Possible"
at http://www.MoneyAide.com