If you want to save 25% or more on your heating and electric bill, you need to read this.

Have you already paid your heating bill? If not, you're going to be in for a surprise. That's because heating costs have on average shot up 25% in the last few years. And this trend shows no sign in stopping.

It's easy to save money on your energy bills. The PROBLEM is no one EVER makes these changes.

Why?

If they're so easy, why isn't everyone doing it?

Part of it might be because they simply don't know these simple changes can make such a HUGE difference. It also might be that many don't know what changes need to be made.

The truth is, no one knows why people aren't more energy conscious, especially when it comes to their home and energy costs. It's anyone's guess.

Here's a 'convenient' truth: If you make just one simple and inexpensive change to your home, in five minutes time, you will be on your way to saving $28 off your electric bill.

These are real changes. They are not theory or a lot of fluff. Nothing is hypothetical. Every single step you take to save money will save you money - real money, every month. It has in the past for those lucky enough to take advantage of this knowledge, and it will in the future.

I put into practice several tips I found, little repairs and lifestyle changes. Every single one of them, right down to the lowest, simplest, and most mundane, took literally no time at all.

When everything was said and done, I compiled a list of well over 200 tips to lower energy costs. Two hundred! That's more than any other web site, brochure, dictionary, handbook or manual I've ever seen on this topic. So I wrote it all down.

And the result? Over 400 pages of information that helped save money, real money every month, on my energy bills.

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Here's a sneak peak at what you'll discover in
Halve Your Grocery Bill:

	How to make your own yogurt at a fraction of the price of the store bought product.
	3 simple ways to make your own sandwich spreads, both sweet and savoury.
	The little-known way to make your children's (and your) lunch box fruit leather treats.
	5 proven steps to avoiding a special trip to the supermarket when you don't have the right ingredients. Learn to substitute other kitchen ingredients.
	2 simple keys to make your own bread.
	AMAZING! Discover in a matter of minutes how to easily make your own mayonnaise and french salad dressings.
	4 proven strategies for finding the non-meat and non-fish meals to satisfy your starving family.
	7 tips and tricks for using homemade soaps and detergent recipes for sparkling clean laundry.
	A dirt-cheap way to make your own window and glass cleaner.
	A free and easy way to make dishwasher detergent.
	Have you been looking for this for ages? Discover how to make liquid gel soap, and replace your expensive bath and shower gel.
	How to use laundry softeners at nominal cost.
	REVEALED! The hidden truth behind the age old skin moisturizers. A super recipe for aging and drying skin, at practically zero dollars.
	Your secret weapon for cutting that grocery bill.

And that's just a fraction of what you'll find out in ""Halve Your Grocery Bill"." That's why you should own this book today (in fact, you can be reading in as little as 5 minutes from now!).

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As you start reading Living Within Your Means you are going to immediately start relating the content to your own personal finances and thinking "This Can Really Work For Me"!

The further you get into the ebook you will start getting excited and in a hurry to start applying what you've learned. What you've always thought about a budget and keeping track of your money will be gone and replaced by a much easier and manageable system.

You Will Learn How To:

QUICKLY IDENTIFY WHAT IS CAUSING THE PROBLEM so that you can better understand what you need to do to solve it.

DRASTICALLY CUT YOUR MONTHLY EXPENSES to free up money for you to use to pay your bills, catch up on past due bills and start eliminating your debt.

PRIORITIZE YOUR SPENDING to make sure all of your must pay bills are covered in the event you can't pay everything.

PREVENT IMPULSE SPENDING that robs you of money you need to cover your bills, groceries and other essential spending.

ORGANIZE YOUR BILLS AND OTHER FINANCIAL PAPERWORK that will make the job of managing your money so much easier and prevent you from possibly paying a bill twice because of a lost receipt.

SYSTEMATICALLY PAY OFF ALL OF YOUR EXISTING DEBTS so that you can finally start reaping the rewards of that hard earned paycheck.

PROVIDE FINANCIAL SECURITY FOR YOU AND YOUR FAMILY so that can rest easy knowing your future plans, dreams and goals will be realized.

KNOW YOUR LEGAL RIGHTS WHEN DEALING WITH CREDITORS to prevent them from harassing or taking advantage of you if you get behind on your bill.

PREPARE FOR THE UNEXPECTED by preventing you from using your credit cards to pay for unplanned expenses and further deepening your debt obligations.

BUDGET WHEN YOUR PAYCHECK VARIES so that you will be able to pay all of your bills and expenses systematically and won't come up short of money when you receive a small paycheck.

PROPERLY MANAGE YOUR CREDIT CARDS to prevent over spending and late fees so you can use that money for more important purposes.

SORT YOUR MONEY ON PAYDAY to make sure you can cover all of your bills and expenses each and every payday.

START A WORKABLE SAVINGS PROGRAM so you can meet or exceed your long and short term goals.

ELIMINATE OVERDRAFT FEES ON YOUR CHECKING ACCOUNT so that money too can be used for other, more important purposes.

INCREASE YOUR CREDIT SCORE AND BUILD YOUR CREDIT RATING to help you qualify for necessary loans and save thousands of dollars in interest charges.
PREVENT FILING BANKRUPTCY that can damage your credit rating for up to 10 years and prevent you from getting your family what they want and need.

DETERMINE IF LOAN CONSOLIDATION IS RIGHT FOR YOU to help you make an educated decision and be sure you are making the right choice.

USE YOUR PAYROLL DEDUCTIONS TO YOUR ADVANTAGE so that you can make sure you have enough to cover your tax obligation without giving the government a free loan.

BECOME A STAY-AT-HOME MOM if you have been longing to quit your job without hurting your lifestyle.

PAY YOUR BILLS ON TIME EVERY MONTH and never have to worry about the late fees and harassing phone calls.

ELIMINATE THE STRESS OF YOUR MONEY PROBLEMS so that you can start enjoying your life again and stop worrying about your bills.

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Money Management e-book
Money Management is a 72 page e-book designed to help you say goodbye to debt! Packed with lots of stories and advice, this e-book is an essential tool for your Debt Elimination Kit.

Grocery Savings e-book
Save over $10,000 in a year - Stop throwing your money down the garbage disposal! Grocery Savings includes lots of useful tips to help you reduce your grocery bill. Many people see dramatic savings after using the tips from this e-book.

Cleaning Cents e-book
The Cleaning Cents e-book will inspire you to get your house in order and stop throwing your money away in the chaos and clutter.

Kids Cents e-book
Are you a financially overrun parent? Learn new insights on raising kids while keeping spending low.

Debt Free Holidays e-book
Debt Free Holidays is a 52 page e-book to show you how to have fun during the holidays without spending a lot of money. The articles focus on Valentine's Day, Easter, Halloween and Christmas.

Gifts In A Jar e-book
"Gifts In A Jar" shows you how to make all sorts of cool, yummy gifts that will save you money while endearing you to your friends for life! ;-) Gifts In A Jar features ideas to make delightful Gift Baskets like those in the expensive stores -- everything from the Honeymoon Basket to the Get Well Basket.

Menus On A Dime e-book
Too Tired To Cook? Eating out is one of the top causes of debt, but what do you do when you're too tired to figure out what to make for dinner?

Plan Ahead Leftovers e-book
Don't wait until your refrigerator is full of odds and ends to think about leftovers -- Plan Ahead!! Plan Ahead Leftovers includes 15 pre-planned menus and 38 recipes to make your life easier! Cook once and eat three to five different meals!

Quick Dinners e-book
Quick Dinners helps you prepare meals in 20 minutes or less. Using these easy dinner plans, you can be in and out of the kitchen faster and at a much lower cost than eating out!

Menus That Make Cents
Eating out is one of the biggest causes of personal debt. Cooking at home can save you thousands and significantly de-stress your life! Menus that Make Cents makes it easy for you to cook at home, saving you potentially thousands of dollars in your family budget.

Pretty for Pennies e-book
Pretty for Pennies is a Bath and Beauty Guide that includes make-it-yourself directions for elegant, all-natural bath and beauty products.

Moving On A Dime e-book
This 26 page eBook contains everything you need to know from de-cluttering to packing to surviving the big moving day.

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