10 ways to save $500 or more

Raises are hard to come by at many jobs this year, so don't wait for the boss to be struck by the sudden realization that you're valuable. Give yourself a raise by spending less of your hard-earned cash.Following any one of these tips can save you as much as $500 per year. Some of them can save you more. If you do all 10, you'll save at least $5,000 a year. That's a heck of a lot more than the measly 3 percent increase that your employer is likely to hand out. And the best part about it is that you don't have to smile and say "thank you."... (more)

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