Tuesday, June 19, 2012

Top Paying Jobs Right Out of College


Line one of these jobs up by graduation and you're in good shape.

Check out this post from www.CareerCast.com listing the 11 top paying jobs you can get when you graduate. While you are in school, try to intern with companies in these industries to secure a job post graduation.

The 11 Top-Paying Jobs Straight out of College


By Lauren Hughes 
Whether you are headed to college, or already working your way towards your degree, you probably already know that having a college degree pays. On average, workers with a college education earn nearly twice those who only have a high school diploma. But do you know that salaries for college grads vary widely? You might be interested in social work, or theology, but these fields probably won't give you the opportunity to make the big bucks, especially the first few years after graduation. It's smart to look ahead at what jobs have the best earning potential right out of college, particularly if you have school loans to start paying back. Put yourself on the right track with one of the 11 highest-paying jobs straight out of college:
You read right – high school teacher is one of the top-paying jobs right out of college. We tend to think of teachers as woefully underpaid, but in reality teachers can earn a decent living the first year after graduating. Of course, being a teacher has other perks, too, like short work days and summers off. Remember, though, that teaching, particularly at the high school level, usually also requires putting in time prepping and grading papers and tests after the last bell of the day. What you'll earn your first year teaching will vary depending on the subject matter you teach, and your geographic location.
What you can expect to make: $43,000
from $42,000 (Math teacher) to $52,000 (Spanish teacher)
Nursing can be a wonderful career choice, and not only because of the healthy starting salaries available. Nurses are nearly always in high demand, and that demand is expected to continue in the future as the population ages. Starting salaries for nurses vary widely depending on the level of education (a 2-year or 4-year program) and on the area of specialization. A career in nursing can be very rewarding, and not just financially. You will have the opportunity to help care for and heal people. On the flip side, though, you also have to deal with their bodily fluids. So you may be well-paid, but you will be earning every penny!
What you can expect to make: $47,000
from $39,000 (perioperative nurse) to $64,000 (nurse trainer)
Careers in teaching and in nursing require you to be a people person, and that might not be a good fit for you. If you are more at home with technology, a career as a web designer might be right for you. The salary for those starting out in web design can vary quite a bit, but tends to be relatively high. As companies have begun to rely on their websites more and more for not only branding themselves but for driving sales, the need for skilled web designers has grown. Many mid-size and larger companies now have web designers in-house. A degree in computer science or marketingis ideal, but it's also smart to have a portfolio of websites you've worked on during internships or personal projects to help sell yourself to prospective employers.
What you can expect to make: $58,000
from $40,000 (graphic web designer) to $88,000 (flash web designer)
Pharmaceutical representatives (also known as drug reps) stand to make good money right off the bat. In addition, pharmaceutical reps also often benefit from perks like the use of company cars. However, working as a pharmaceutical rep can be quite demanding. Lots of travel is usually required; a typical day might see you going to several doctors' offices discussing the benefits of a particular drug. While pharmaceutical reps must be well versed in science, they also must be good with people and have excellent communication skills, as this is essentially a sales job. For those willing to put in the work, the pay is very good. And you can rest easy knowing that you'll probably always have a steady supply of pens and pads of sticky notes!
What you can expect to make: $59,000
from $55,000 (pharmaceutical sales representative) to $73,000 (pharmaceutical specialty sales representative)
If you're numbers-oriented, working as a financial analyst could be a lucrative job even right out of college. With therecent weakness of the economy, the field has taken a hit, but there is still a demand for qualified people. The highest salaries in the field are available only to those with an advanced degree, but even those with a bachelor's degree in an appropriate area like accounting or finance can earn a bundle.
What you can expect to make: $66,000
from $57,000 (financial operations analyst) to $97,000 (strategic financial analyst)
The internet has come a long way since its invention in the 1960's. As the internet has grown and developed, its money-making potential has exploded. The field of internet marketing has grown with it to exploit and create new opportunities to sell an ever-increasing number of products and services online. Currently, internet marketing includes things like search engine optimization, e-mail marketing, and the use of blogs to promote a business or product. But the field is rapidly expanding and changing, providing lots of opportunities for those with a background in business and knowledge of current technology.
What you can expect to make: $67,000
from $43,000 (internet marketing specialist) to $124,000 (internet marketing sales executive)
Many companies today, both large and small, rely on in-house network administrators to maintain and troubleshoot the complex computer networks that enable a company's day-to-day functioning. Not only are network administrators needed to keep the networks running smoothly, but they are usually also responsible for ensuring the network's security through firewalls and the like. Network administrator jobs are desirable because of the good pay, so expect to work hard gaining the technical knowledge and hands-on experience necessary to compete with other well-qualified applicants.
What you can expect to make: $69,000
from $62,000 (network systems engineer) to $99,000 (network systems administrator)
If you excel in science and math and are looking for a well-paying job out of college, engineering is an obvious choice. Graduates with a degree in engineering can work in any of a wide variety of branches, including civil, chemical, and nuclear to name a few. Starting salaries will vary somewhat depending on the chosen branch, but all are well-paying. You should plan on developing not only deep technical knowledge, but also excellent communication skills in order to nab the best job. And be prepared to explain to people that your job doesn't involve driving a train!
What you can expect to make: $72,000
from $67,000 (electrical engineer) to $69,000 (engineering geologist) to $123,000 (VP of engineering)
When you were five years old, you probably never answered "actuary" to the question "What do you want to be when you grow up?" But maybe you'll start to consider answering that way once you see the high earning potential of actuaries, even fresh from getting that bachelor's degree. Working as an actuary involves evaluating risks, and so the majority of actuaries work for insurance companies. True, you will need a strong background in finance and statistics to get a job as an actuary, but all the training can pay off handsomely in a secure, well-paid position.
What you can expect to make: $79,000
from $65,000 (enrolled actuary) to $93,000 (life actuary)
Software developer (sometimes known as a software engineer) is undeniably a smart career choice in any job market. Salaries for well-trained and smart software developers continue to be high and demand is likely to stay strong for a long time to come. This is one career that will require ongoing learning and updating of skills even after you've landed that plum job, though. On the plus side, some companies offer other perks and benefits, like telecommuting and flextime options, and a chance to earn bonuses over and above the base salary. In addition, entry-level software developers often get the opportunity to move to more senior positions within a few years.
What you can expect to make: $84,000
from $52,000 (internet software engineer) to $93,000 (software engineer/developer)
The recent financial crisis has taken some of the shine off investment banking. Jobs are not as plentiful as they once were and there is a lot of competition. But the reality remains that investment banking is the most lucrative field for newly-minted grads. Of course, they're not just handing out the dough over at investment banks. You should expect to put in long hours, particularly during your first few years, and you should be prepared for sometimes intense pressure. Investment banking is not for the meek, or those who highly value their leisure time. But for those who are looking to make the big bucks, it may just be the perfect career to pursue.
What you can expect to make: $112,000
from $73,000 (associate) to $116,000 (investment banker)

Saturday, June 16, 2012

Spend More to Save More

This is an interesting concept: save money by spending more. Check it out.

10 Ways to Save Money by Spending More

Certain things are worth spending money on.
There is a fine line between miser and smart spender.
As your accounts grow in size and decimal places, there are several key purchases that may increase your quality of life — and even save you some cash in the process!

A range of experts shared advice for items that savvy investors should buy in order to climb the ladder and accumulate wealth while also increasing day-to-day enjoyment.
Here are 10 thrifty ideas for smart ways to spend more without feeling guilty:
1. Hire Some Help
Time is money. If your hourly income is more than what you would pay for someone else to clean the house, walk the dog or mow the lawn, then hiring some help makes financial sense.
Jennifer Litwin, an author and consumer reporter, added that grocery delivery can be a big-time saver. Litwin listed “avoiding the new long self-check-out lines; getting fruits and vegetables that are well-wrapped and packed; and shopping from the comfort of your own home and still being able to take advantage of sales” among the service’s advantages.
The time saved from outsourcing some of your daily chores can be used to relax after a long day at work, log in some extra face time at the office, or brainstorm new investing ideas.
2. Dress for Success
Sloppy outfits are not exactly an express ticket to the C-Suite. While Silicon Valley is known for its casual environment, rocking the hoodie in a typical business landscape may elicit some unwanted attention — even if you’re Facebook CEO Mark Zuckerberg. Fanya Chandler, Nordstrom’s national stylist director, advised investing in core pieces.

This means men can splurge for a high-quality suit while women can spend a little more on the dress, skirt or jacket. Blouses are a spot where women can scale back a little, she said.
Loren Bendele, CEO and co-founder of Savings.com, suggested investing in handbags, well-made jeans and staple children’s clothing also.
“The most expensive item you’ll buy is the one you never wear,” he cautioned.
3. Table for Two, Please
If you’ve found the One (or narrowed it down to one for now), don’t forget about date night.
While anniversaries are often associated with splurging, Bendele said surprising your plus-one with tickets or going out to dinner could be a way to build lasting memories.
“Date nights don’t necessarily have to be expensive either,” he said. “Picnics on the beach, breakfast in bed and candlelight dinners at home are always big events.”
Research from the National Survey of Families and Households provides further evidence for the importance of some alone time.
“Indeed, the predicted probability of divorce for those who rarely had couple time was 21 percent for both wives and husbands, but only 14 percent for wives and 10 percent for husbands who reported having couple time almost every day,” wrote researchers from the University of Virginia’s National Marriage Project.
4. Turning to the Financial Pros
Depending on the extent on your burgeoning financial empire, adding a trusted financial adviser to the payroll may be a good idea. Experts have years of experience that they can draw on to grow your portfolio while you can concentrate on your own career. But be sure to keep tabs on your accounts and ask questions to make sure that their investing values and philosophies match your own.
5. Is Your Business Card Rolodex Ready?
“That's bone. And the lettering is something called Silian Rail,” boasts Patrick Bateman in “American Psycho,” in which he exhibits some serious business card envy.
For this tip though, skip the corporate competitiveness and concentrate on the basics.Entreprenuer.com suggests sticking to the standard business card size of 3.5 inches by 2 inches, keeping cards simple and including relevant contact information, including company name, phone number, email address and website address.
Critical information should be relegated to the front since business cards often spend the rest of their days in card holders that obscure the backs.

While many companies will provide employees with cards, this suggestion is especially useful for people trying to expand freelance or side businesses.

6. It’s Tool Time
Buying high-quality tools can save time, money and a leaky drain or two if you learn to use them correctly. But don’t be tempted to quit your day job to become Mr. Fix-It full time for your home though — if a problem arises that is beyond the scope of your skills, call the pros.
7. Consider Refinancing
With average 30-year and 15-year fixed mortgage rates at record lows, homeowners should consider whether now is a good time to refinance. Freddie Mac said the 30-year loan rate had dipped to 3.79 percent as of May 18, the lowest since long-term mortgages began in the 1950s.
“Record-low mortgage rates and low home prices are making home buying more attractive to Americans, and refinancing is a perfect example of spending money so you save more in the long run,” Bendele said.
8. Saying 'I Don't' to Cash Bars
As the average price of a wedding climbed to more than $27,000 last year, according to the Real Weddings Survey, couples-to-be may want to consider wedding insurance.
Several companies offer policies that range in coverage type and level to help couples recover lost expenses if plans go awry.

Anja Winikka, TheKnot.com’s site editor, said that couples should not skimp on either some form of a gratis bar for guests or a reputable photographer for the big day. She also suggested spending the extra money to get some professional help to help coordinate the wedding festivities.

“As much as you want to take on the creativity of DIY activities for elements of the wedding, the last thing you want to do on the day of the event is worry about the flowers, food, etc.,” Winikka said. “There are some vendors that should be hired professionally to avoid a stressful wedding day.”
9. Skip the Nosebleeds
Sporting events, Broadway, concerts — these are a few times when upgrading seats and paying a little extra may be worth it. But this does not mean that splurging for the VIP passes is the best idea either. Aim for the middle ground for maximum enjoyment with minimal impact on your wallet.
This concept also applies to family vacations.
“You can’t put a price tag on the life-long memories from family vacations,” Bendele said. “It is important to spend time together, and whether you plan a modest vacation or a more extravagant one, enjoying time spent together is a highly valuable investment.”
10. Networking to the Top
Rubbing elbows at relevant networking events is another area where it is important to spend. Investing in memberships at professional societies in addition to dinners and fundraisers provides plenty of opportunities to further your career and catch up on the latest news in your industry.
Same goes for personal development seminars and courses as long as you put them into action, said J.D. Roth, founder and editor of the personal finance blog getrichslowly.org.
“Any personal development is a good investment, if you ask me,” he said.
“But only if you act on the things you learn. Just going to a bunch of seminars won’t make you a better person. You have to put the things you learn into practice.”
By Katie Little | CNBC – Fri, May 25, 2012 10:25 AM EDT

Friday, June 15, 2012

Save Money in a Recession

It's not always about what you make, but more about what you keep. Check out this article from Lifehacker.com with 10 tips on saving money in a lame economy.

Top 10 Ways to Save Money in a Recession

10. Get better at re-using your stuff

Top 10 Ways to Save Money in a RecessionIt's the kind of stuff that fueled your grandparents' stories about hard times: Stretching supposedly disposable, used items further than most consumer companies want you to; Using your mind—and your hands—to solve problems without jumping in the car and busting out the wallet. We suggest finding inspiration from how Lifehacker readers creatively reuse disposable items. Re-purposing isn't all about balled-up tinfoil and grimacing, of course. Our most popular re-purposing posts of 2008 show that a little thought and some creative tinkering usually pays off with a one-of-a-kind solution to household needs.

9. Cut your food costs

Other than shelter (rent) and water (also rent, or municipal bills), food is the one thing you have to spend money on every day. If you really want to hack down your bills, carnivores can save money by buying whole animals—a process that's easier than they might think. For a weekend kick, you can make your favorite chain restaurant recipe at home. Stay away from the high-fat cruft on dollar menus and switch to a cheaper, healthier Mediterranean diet or these twenty health foods for $1 or less. And for those nights when cooking a full, healthy meal just isn't in the cards, a "Microwave Diet" is a surprisingly nutritious fall-back.

8. Dress and look sharp with less cash

Let's not pretend you can look like a million bucks with $7 and change. What you can do is focus on taking a clean, elegant style and maintain and extend it without hitting the malls at all. The thrift-conscious J.D. at theGet Rich Slowly blog has 18 tips on smarter used clothing buys, whether as a staple or just a complement to your wardrobe. And, while the political hook is a bit, er, dated, we did consult with style-conscious types tohelp dress like a honcho with humble means. For everything else that isn't soap and a haircut, try taking on easy ways to look sharp, like de-cheap-ifying a suit, shaving with a straight razor, and using coat hangers to prove to yourself that, yes, you really do have something to wear. Photo bybrooklyn.

7. Start working for yourself (crazy as it sounds)

Even if you've invested in your paid-by-someone-else career, the layoffs just keep happening, leaving hard workers looking for their next gig. Assuming one's money is locked down, it can be surprising how much cheaper it is to start working for yourself—if the conditions are right. The self-employed route is one of the most common suggestions from our readers in response topost-layoff confusion, and if you don't have to pay for a commute, parking, lunch-on-the-go, daycare, or many other costs, freelance work might help you stem the losses, at least until you can land back on your feet. Everyone's situation is different, of course, and self-secured healthcare isn't getting cheaper, but we happen to know at least one certain blogger/developer who's taking a chance on working totally off the grid for 2009.

6. Cut the cable and get your TV free

Top 10 Ways to Save Money in a RecessionWhen the nation-wide transition to all-digital, over-the-air television happens (be it Feb. 17 or later), anyone with an antenna will get digital channels for free (in fact, you may even get more channels than you were before). If you don't get great reception, or you like your television a bit more on-demand, there's never been more free programming on the web. Start with our six ways to catch your favorite TV shows, which covers the free market in all its forms, from official sites to BitTorrent. Next, check out Lifehacker readers' five favorite sites to stream TV for more inspiration. Looking for something that doesn't tie up your computer? Our ooh-shiny-savvy sibling Gizmodo has posted a great tutorial on taking a relatively cheap Apple cast-off, the AppleTV, and using the free Boxee software to spin it into a TV-streaming, download-playing, multi-media powerhouse.

5. Trim your cell phone costs

Top 10 Ways to Save Money in a RecessionThe economy stinks for you, but it reallystinks for providers of services that can easily be scaled back—like cell phone providers. On the one hand, they may fight harder to keep you paying for data plans, text messages, and other "value added" items, but they really, truly don't want to lose you as a customer. If you can't re-negotiate a better deal, though, take a tip from PC Magazine columnist Sascha Segan and cut your phone bill by actually jumping ship (to a pay-as-you-go phone), then let them come crawling back with a package pitch. Stuck in a contract with a huge cancellation fee? Check out contract-swapping sites like CellTradeUSA.com and CellSwapper.com, which make use of (legal!) trade clauses and might just help you escape your monthly vig.

4. Invest in your career

Financial guru Warren Buffett, as he so often does, said it best back in April, before the market fell: Unless you're going to make investment analysis a nearly full-time gig, you're better off spending your discretionary time in furthering your main career and honing your skills than surrounded by earnings reports and endlessly changing charts. It's the same reasoning SmartMoney's Jack Hough uses in explaining why renting might make more sense than buying, especially if you're not partial to putting work, time, and money into a place right now. Neither is a call to yank all your hard investments out and start a blacksmith shop (as appealing as some might find the idea), but they reason that the revenue-generating asset you might have the most control over is your career.

3. Trick yourself into spending less, saving more

Top 10 Ways to Save Money in a RecessionCurbing spending, like cutting back on calories, is something any self-help-ish expert can and will tell you to do, with few details given. So you're left, just as with dieting, to come up with your tricks and techniques for teaching yourself to do and not do certain things. When it comes totricking yourself into saving money, we like the kind that you don't need much to start out doing, like Merlin Mann's Crap I Just Don't Need.txt file, in which he captures all his do-wants and must-haves, as if it were a wish list, but ends up checking it every so often to see just how well he's gotten along without all those things. High-speed, low-drag spending psychology. Photo by Darren Hester.

2. Get serious about Craigslist

Top 10 Ways to Save Money in a RecessionCraigslist is a website built for an economy that's scaling back to basics. People looking for extra cash divest themselves of stuff they don't really need, and those who need to spend less snatch up their stuff. If you're on either side, it helps to have the right tools. Get savvy with your selling by digesting Adam's seller's guide to Craigslist, and on the flip side with our Craigslist tips for power users. Hone down on exactly what you're looking for (time is money, after all) with thepreviously mentioned Craigslist Image Preview extension, or the image mashupMyWiseBunny.com (formerly CLHack.com). It can feel harsh grabbing up deals when you know times are tough, but to many sellers, the buyer who actually pays is worth more than some future ideal of better times.

1. Reduce your bills by simply asking

One of the most effective means of shaving money off your monthly costs doesn't involve a website, coupon code, or any kind of hack, unless you count working up the small courage required to just, well, ask. Our weekend editor Jason found deals on his internet package, gas bills, household insurance, and even trash disposal, just by being persistent and, in most cases, simply asking if there was a deal he didn't know about. Read his tips on reducing by asking, then down the last of your coffee and get on the horn. Photo by WoodleyWonderworks.
Where have you found unexpected savings or earnings in recent months? What's your plan for cutting back or cashing in if the downturn continues? Share your story in the comments.
Times are tough, money's tight, and nobody should be spending more than they need. If you think you've exhausted all avenues for saving a buck, check out our ten suggestions for saving money in a recession.

10. Get better at re-using your stuff

Top 10 Ways to Save Money in a Recession

It's the kind of stuff that fueled your grandparents' stories about hard times: Stretching supposedly disposable, used items further than most consumer companies want you to; Using your mind—and your hands—to solve problems without jumping in the car and busting out the wallet. We suggest finding inspiration from how Lifehacker readers creatively reuse disposable items. Re-purposing isn't all about balled-up tinfoil and grimacing, of course. Our most popular re-purposing posts of 2008 show that a little thought and some creative tinkering usually pays off with a one-of-a-kind solution to household needs.

9. Cut your food costs

Other than shelter (rent) and water (also rent, or municipal bills), food is the one thing you have to spend money on every day. If you really want to hack down your bills, carnivores can save money by buying whole animals—a process that's easier than they might think. For a weekend kick, you can make your favorite chain restaurant recipe at home. Stay away from the high-fat cruft on dollar menus and switch to a cheaper, healthier Mediterranean diet or these twenty health foods for $1 or less. And for those nights when cooking a full, healthy meal just isn't in the cards, a "Microwave Diet" is a surprisingly nutritious fall-back.

8. Dress and look sharp with less cash

Let's not pretend you can look like a million bucks with $7 and change. What you can do is focus on taking a clean, elegant style and maintain and extend it without hitting the malls at all. The thrift-conscious J.D. at theGet Rich Slowly blog has 18 tips on smarter used clothing buys, whether as a staple or just a complement to your wardrobe. And, while the political hook is a bit, er, dated, we did consult with style-conscious types to help dress like a honcho with humble means. For everything else that isn't soap and a haircut, try taking on easy ways to look sharp, like de-cheap-ifying a suit, shaving with a straight razor, and using coat hangers to prove to yourself that, yes, you really do have something to wear. Photo bybrooklyn.

7. Start working for yourself (crazy as it sounds)

Even if you've invested in your paid-by-someone-else career, the layoffs just keep happening, leaving hard workers looking for their next gig. Assuming one's money is locked down, it can be surprising how much cheaper it is to start working for yourself—if the conditions are right. The self-employed route is one of the most common suggestions from our readers in response topost-layoff confusion, and if you don't have to pay for a commute, parking, lunch-on-the-go, daycare, or many other costs, freelance work might help you stem the losses, at least until you can land back on your feet. Everyone's situation is different, of course, and self-secured healthcare isn't getting cheaper, but we happen to know at least one certain blogger/developer who's taking a chance on working totally off the grid for 2009.

6. Cut the cable and get your TV free

Top 10 Ways to Save Money in a RecessionWhen the nation-wide transition to all-digital, over-the-air television happens (be it Feb. 17 or later), anyone with an antenna will get digital channels for free (in fact, you may even get more channels than you were before). If you don't get great reception, or you like your television a bit more on-demand, there's never been more free programming on the web. Start with our six ways to catch your favorite TV shows, which covers the free market in all its forms, from official sites to BitTorrent. Next, check out Lifehacker readers' five favorite sites to stream TV for more inspiration. Looking for something that doesn't tie up your computer? Our ooh-shiny-savvy sibling Gizmodo has posted a great tutorial on taking a relatively cheap Apple cast-off, the AppleTV, and using the free Boxee software to spin it into a TV-streaming, download-playing, multi-media powerhouse.

5. Trim your cell phone costs

Top 10 Ways to Save Money in a RecessionThe economy stinks for you, but it reallystinks for providers of services that can easily be scaled back—like cell phone providers. On the one hand, they may fight harder to keep you paying for data plans, text messages, and other "value added" items, but they really, truly don't want to lose you as a customer. If you can't re-negotiate a better deal, though, take a tip from PC Magazine columnist Sascha Segan and cut your phone bill by actually jumping ship (to a pay-as-you-go phone), then let them come crawling back with a package pitch. Stuck in a contract with a huge cancellation fee? Check out contract-swapping sites like CellTradeUSA.com and CellSwapper.com, which make use of (legal!) trade clauses and might just help you escape your monthly vig.

4. Invest in your career

Financial guru Warren Buffett, as he so often does, said it best back in April, before the market fell: Unless you're going to make investment analysis a nearly full-time gig, you're better off spending your discretionary time in furthering your main career and honing your skills than surrounded by earnings reports and endlessly changing charts. It's the same reasoning SmartMoney's Jack Hough uses in explaining why renting might make more sense than buying, especially if you're not partial to putting work, time, and money into a place right now. Neither is a call to yank all your hard investments out and start a blacksmith shop (as appealing as some might find the idea), but they reason that the revenue-generating asset you might have the most control over is your career.

3. Trick yourself into spending less, saving more

Top 10 Ways to Save Money in a RecessionCurbing spending, like cutting back on calories, is something any self-help-ish expert can and will tell you to do, with few details given. So you're left, just as with dieting, to come up with your tricks and techniques for teaching yourself to do and not do certain things. When it comes totricking yourself into saving money, we like the kind that you don't need much to start out doing, like Merlin Mann's Crap I Just Don't Need.txt file, in which he captures all his do-wants and must-haves, as if it were a wish list, but ends up checking it every so often to see just how well he's gotten along without all those things. High-speed, low-drag spending psychology. Photo by Darren Hester.

2. Get serious about Craigslist

Top 10 Ways to Save Money in a RecessionCraigslist is a website built for an economy that's scaling back to basics. People looking for extra cash divest themselves of stuff they don't really need, and those who need to spend less snatch up their stuff. If you're on either side, it helps to have the right tools. Get savvy with your selling by digesting Adam's seller's guide to Craigslist, and on the flip side with our Craigslist tips for power users. Hone down on exactly what you're looking for (time is money, after all) with thepreviously mentioned Craigslist Image Preview extension, or the image mashupMyWiseBunny.com (formerly CLHack.com). It can feel harsh grabbing up deals when you know times are tough, but to many sellers, the buyer who actually pays is worth more than some future ideal of better times.

1. Reduce your bills by simply asking

One of the most effective means of shaving money off your monthly costs doesn't involve a website, coupon code, or any kind of hack, unless you count working up the small courage required to just, well, ask. Our weekend editor Jason found deals on his internet package, gas bills, household insurance, and even trash disposal, just by being persistent and, in most cases, simply asking if there was a deal he didn't know about. Read his tips on reducing by asking, then down the last of your coffee and get on the horn. Photo by WoodleyWonderworks.
Where have you found unexpected savings or earnings in recent months? What's your plan for cutting back or cashing in if the downturn continues? Share your story in the comments.