Money-saving tips

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PHOENIX -- We all need -- and want -- more money in our pockets, but in order to do that, you need to cut back on some things. But it's not as difficult as you might think.

David Scheur, a Scottsdale-based financial planner, has some suggestions you might not have hear before.

"If you're going to spend money, you have to be careful where you spend it these days," Scheur said.

Scheur  said one ting to consider to keep more money in your pocket is canceling your newspaper subscription. It's a service you’re probably already paying for somewhere else.

"These days, getting news on your Blackberry or your cell phone or even online is what we do," he explained. "We have news right at our fingertips for free."

Scheur  also said his insurance premiums dropped big time when he agreed to get his statements online instead of through the mail. Paperless statements earned him a 10 percent discount every six months, and it only cost him a few clicks of the mouse.

Other companies might offer similar discounts, so it's worth the conversation.

Speaking of insurance, you might want to cancel your cell phone insurance. High deductibles usually negate any benefit from them.

Avoid monthly bank fees and checking accounts. You should be free of those fees, so talk to your bank about options.

If you can, use free shipping when you order off the Internet.

"A lot of times you can ship it to the store instead of your house for free of charge," Scheur said.

Finally, for those who get bottled water delivered to your house, that’s something you probably can do without, especially with all the less expensive filter options that are out there.

Scheur also said you should avoid credit cards that charge an annual membership fee.

"You know, there are so many credit cards that will offer you no annual fees and those are the ones to look out for," he said.

Another tip is to consider canceling your home phone and to use a cell phone more often. This saves around $30 a month by itself.

"If you don't use it, get rid of it," Scheur said.