Every day we are bombarded with messages telling us how to save money. Zero percent down, half off and two for one are commonplace announcements blasted at us through television, radio and billboards. As relentless as these commercials are the reality is that very few of these solicitations will actually save us money.

Quite the contrary, they are designed as a call to action to grab your credit card and spend, spend, spend!

Can you spend wisely and have more savings? Yes, you can. But, you need to train yourself to be a disciplined buyer and learn to become an intelligent saver. 15 Top Ways to Save Money is just what you need to identify those areas that can really save you significant money. Learn:

How to save on insurance
How to save on auto loans
How to save on mortgage loans
How to save on credit cards
How to save on gasoline
How to save on car repairs
How to save on home improvement
How to save on home heating and energy
How to save on phone service
How to save on major appliances
How to save on discount furniture
How to save on clothing
How to save on groceries
How to save on vacations
How to save on prescription drugs

and much more!