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How to squeeze a nickel: here's hoping you find new ideas among these staff and reader tips.(FEATURE)

Consumer Reports

| June 01, 2009 | COPYRIGHT 2009 Consumers Union of the United States, Inc. This material is published under license from the publisher through the Gale Group, Farmington Hills, Michigan.  All inquiries regarding rights should be directed to the Gale Group. (Hide copyright information)Copyright

Grow annuals from seeds. It's much easier to buy flats, but seeds are very inexpensive.

[ILLUSTRATION OMITTED]

Rather than buy plants, trade plant clippings with friends. They're free!

I pay most of my bills electronically through credit-card debit or bank debit. I'm never late and I don't have to pay penalties.

The Web site at www.billshrink.com can help you analyze your cell-phone bill to determine whether you'll save money with a different plan.

Call up your Internet, phone, and cable companies and try to get a better deal. I cut my Internet bill in half that way.

Don't go to coin machines that charge to convert your change to bills. Some banks offer that service free.

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