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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!

Angeline Zemba of Mechanicsburg, Pa., won $100, for her 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:

Habitat for Humanity home improvement bargains
"If you are in need of building supplies and would like to help a charity in the process, check and see if your city or town has a Habitat for Humanity ReStore. This is a place where contractors, home improvement stores and homeowners donate new or gently used items for sale to the public. All proceeds minus minimal expenses go toward building homes for those in need. It is a great way to get a deal while helping the environment by recycling gently used items. Most importantly it helps to provide affordable housing to those who need it."

Top 20 money-saving tips

ENTERTAINMENT
 Christmas gift savings

AUTOS
 Carpool with your mate

MISCELLANEOUS
 It won't cost a cent, but you'll feel like a million!
 Great holiday gifts for free!
 Use gift bags rather than wraping paper

HOUSE
 Frugal gift for a clean, green friend
 A wonderful afterlife for credit cards
 Kids clothes

 
ENERGY
 Recirculate that heat!

VACATION
 Shopping for a cruise?

SAVINGS
 Luxury for your feet
 Go it alone...
 So you want financial freedom?
 Gasoline savings
 Interest rates
 Save a life, save your money

INSURANCE
Online Driver safety course equals good savings


GROCERIES
 Make your own
 Stale crackers recycled
 Don't throw away soda that's lost its fizz
 

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
30 yr fixed mtg 5.33%
48 month new car loan 6.73%
1 yr CD 2.59%
Rates may include points
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