Recently with the prime rate being so low, my husband and I decided to change our mortgage from a fixed rate to a variable rate. We still had about 3.5 years remaining on our existing mortgage so we were subject to some hefty penalties. I wouldn’t necessarily recommend doing what we did, although we do hope to recover our penalties and at least save some money in the process. However, if you are planning on buying a home in the near future, you may want to consider choosing a variable rate while the rates are low and then you can always fix the rate later when the prime rate goes up. Whatever you decide, don’t rule out the possibility of a variable rate. Statistics indicate that more than 85% of people who have variable rate mortgages save money. When you visit your mortgage lender, be sure to ask about their variable rate mortgage options. It is better to be fully informed of your options in the beginning rather than wish you had later.
The safest way to double your money is to fold it over once and put it in your pocket.
-Kin Hubbard
A millionaire is the only person who receives letters from second cousins.
–Anonymous
Where I was brought up we never talked about money because there was never enough to furnish a topic of conversation.
–Mark Twain
As I was walking through the aisles of my favorite dollar store, I discovered a product that claims to save you money 
when doing laundry: dryer balls
To save money, there a few things you should know about your credit card bills:
1. If you have credit card debt, pay your credit card bill more than once a month. If you get paid weekly, then pay part of your payment every week, and if you get paid biweekly, pay it down every 2 weeks. By doing this, you will significantly reduce the amount of interest you pay.
2. Another thing you can do to save money when carrying credit card debt is to pay your bill as soon as you receive it because although you won’t be charged interest on your most recent purchases, you are still being charged interest on your previous debt. The sooner you make your payment, the more money you save on interest.
3. Pay your credit card bills online as it ensures your payments will be made on time. If you can’t pay them online, make sure that you do not write any notes on your bill or it will more than likely be passed on to another department. This paper shuffle could result in a late payment and you don’t want that! Also, be sure to write legibly because if the company can’t read your writing they have an excuse to delay the processing of your payment, which may result in late fees and interest charges.
Nearly everyone keeps a bottle of Aspirin in their medicine cabinet. Who would have thought they could be useful for more than just getting rid of a bad headache!
1. Revive dead car batteries: If you are unable to find anyone to give you a boost, a way to revive your battery is to drop 2 Aspirin tablets directly into the battery to produce one final charge so you can drive to a garage.
2. Control Dandruff: You can treat dandruff by crushing 2 Aspirin tablets and mixing it with your shampoo. Keep the mixture in your hair for about 3 minutes, rinse well, and then wash your hair again with plain shampoo.
3. Relieve mosquito bites and bee stings. Rub Aspirin over the irritated areas on your skin and it will relieve the inflammation.
4. Prolong the life of cut flowers. Crush an Aspirin tablet and mix it with the water in your vase before adding your flowers.
5. Remove perspiration stains. Crush 2-3 Aspirin tablets and mix with a half cup of warm water. Soak the stained area in the mixture for about 3 hours.