Non-smokers, exercisers and people who maintain a healthy weight can get as much as a 50 percent savings on life insurance.

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A 30-year $300,000 mortgage at 4 percent costs $1,432 a month. But if you pay $716 every two weeks, you can cut interest payments by $34,000 over the life of the loan.

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Many states offer property tax breaks for homeowners over 65, including rebates, caps on assessed value, and tax-rate or assessment freezes. New York for example, will lower your property tax by 50 percent if you make $29,000 or less annually. That break could easily save you $7,000 per year.

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Having a roommate can save between $500 – $800 in monthly rent, depending on the house’s amenities and the companionship is a nice bonus.

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Purchase family-size packages of beef, pork, and chicken, which is generally cheaper per pound than smaller packages, then split them into several meal portions and freeze until ready for use.

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Solar panels can produce more electricity than we use, saving on utilities.

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Look out for summer concerts or music festivals at country and state fairs a round our region every summer. Sometimes you can get free lawn seats or save with early bird discounts.

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MilitaryBenefits.info lists hundreds of companies that offer discounts to Veterans. The discounts range from $500 off an eligible new Ford vehicle to 10 percent off at some Burger King locations.

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Many people don’t even know how long they’ve been in credit card debt. Recent research found that 7 percent of credit cardholders don’t remember how many years they’ve been carrying a balance, while more than a year that they’ve done so. Owing large amounts affects your credit utilization ratio. Many other moves can lower your score:

1. Paying off an old debt
2. Closing a line of credit
3. Stick with one type of credit
4. Failing to check your credit report

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Stashing cash around the house is anything but harmless. It can seem like a fun, creative way to save money – hundreds stuffed in the bottom of a cookie jar, fifties stuck between the pages of a book, even more money buried in the back yard. But it is actually an unsafe way to hold on to your money. Here are several reasons why hiding cash around the house is a bad idea:

1.You are missing out on money

2.The money is not FDIC-insured

3. You could lose the money

4. The money might not be covered by your home insurance policy

5.You are losing out to inflation

6.A loved one might get stuck searching for hidden money

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