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·                                 Food and Groceries

·                                 Loans and Insurance

·                                 Home Savings

·                                 Monthly Bills

·                                 Clothing

·                                 Entertainment

·                                 Auto

·                                 Every-Day Savings Tips

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Home Savings

How to Save on Heating Bills

With the average American household spending over $1000 a year on heating bills, the desire to cut heating costs is entirely understandable. Whether you use gas, electricity or oil to run your heaters, there are many practical ways to reduce your heating bill that don't require extra sweaters or turning off the heat.

How to Save on Cooling Bills

Nobody enjoys overheating in the summer, but overpaying on your cooling bills can really make you break out into a sweat. Air conditioning is often the most expensive utility in the home, and inefficient cooling can consume as much as 50% of your monthly utility bills..

How to Save on Phone Bills

When you feel like crying, sometimes you need a good heart-to-heart with your best friend. But when you get the phone bill for that conversation, you may find yourself crying for a completely different reason. And yet, while expensive phone bills are not uncommon, they can be entirely avoidable.

Loans and Insurance


How to Save on Car Insurance

A car is an expensive purchase; from the initial cost of the vehicle to regular gas fill-ups, servicing and repairs, there are endless expenses associated with owning a car. And yet, while car insurance is among these necessary expenditures, there are many ways in which car owners can reduce their car insurance fees.

 How to Find Affordable Life Insurance

It's easy to forget about the importance of life insurance when everything is going well, everyone feels well and you're finally making a comfortable living. Still, this is precisely the time when it's a good idea to invest in life insurance and to start thinking about how to plan for the future.

Food and Groceries

Five Easy Ways to Save on Grocery Bills

There's no question that grocery shopping expends a large part of our monthly budget. But while food is a necessary expense, overpaying for food is optional- or, at the very least, accidental. By making a conscious effort to shop smartly, you can save hundreds of dollars a year while continuing to enjoy the food that you love.

Monthly Bills


Nine Ways to Save on Cell Phone Bills

These days it seems that everyone from 'tweens to grandparents has a cell phone. Many people even have two cell phones, as they use one for work and one for personal use. Still, consumers should not confuse the accessibility of cell phones with the affordability of these useful gadgets.


Ten Ways to Save on Clothes (and Still Look Great)

Shopping for clothing is the national pastime for most teenage girls- and a recognized hobby for scores of adults. And yet, in today's economy, many people have had to scale down this hobby or abandon it entirely.


Eleven Ways to Save Money on Entertainment

Everyone loves having a good time, but few people truly enjoy spending a fortune for this pleasure. In fact, having a good time during the recent economic downturn has become critical for one's mental health, but difficult to achieve because of the stress on one's wallet.


How to Increase Your Fuel Efficiency Without Buying a New Car

There's no doubt about it: the easiest way to save money on gas is to purchase a car that gets better gas mileage. But for the majority of people who aren't in the market for a new automobile, there are more practical ways to cut costs on gasoline and to get a few more miles out of each tank of gas.

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How Often Should You Wash Your Hair?

Shampoo less, we dare you.About 90% of Americans shampoo daily. One hundred years ago, people only washed their hair monthly, and in the 1950s, it was customary for women to have their hair washed and set once a week at the salon.

Related: Eight Things Your Hair Says About Your Health

A clean head of hair feels fresh and smells great but over-washing can turn one's healthy locks into a pile of straw. The average person's hair grows less than half an inch per month so long strands that have been subjected to a lot of shampooing (as well as chemical treatments, blow drying, and the elements), tend to get dried out and dull at the ends and even break off. Dirtier hair-gasp-also holds a style better.

How often you need to shampoo depends on how oily your scalp is and your hair's texture. Oil-known as sebum-travels more easily down smooth, straight hair, making it look greasier faster. Sounds a little gross, but sebum helps moisturize and waterproof the hair shaft. This is one reason why curly or coarse hair is drier. When you wash every day, you typically strip off this natural moisturizer and then have to slather it back on in the form of commercial conditioner.

Joe Murray, owner of Hale Organic Salon in New York City, tells Yahoo! Shine that shampooing a couple of times a week is plenty. "If you can't stand a being a little oily, then coat your wet hair with conditioner up to the ears to protect it and then just wash the scalp." On gym days, try simply rinsing with water instead of shampooing and finish with a light conditioner to detangle. Another tip Murray offers is to "spot clean around the hairline with a little dry shampoo. It will also help stretch the time between blow outs."

Shampooing does stimulate the scalp, which brings blood flow and healthy nutrients to the hair follicles. As an alternative, Murray is a fan of a gentle daily scalp massage and regular brushing with a good quality hairbrush.

People with flaky scalps may be inclined to shampoo frequently, but dermatologist and spokesperson for the American Academy of Dermatology, Nia Terezakis, MD says this can actually exacerbate the problem. "When you have a flaky scalp its not dirty, its dandruff or a form of psoriasis," she explains to Yahoo! Shine. "Use a shampoo formulated for dandruff and let it sit on your scalp for 20 seconds before rinsing." You can follow up with a separate shampoo and conditioner of your choice, "But don't scrub," she advises. "It will flake even more."

When you choose a shampoo, Terezakis says to pick a product that is made for your specific hair type whether it be oily, dry, limp, curly, etc. "Companies spend a lot of money on cosmetic chemists and different products really do work." One exception: "Baby shampoos aren't necessarily gentle on adult hair," she warns. "They are made because babies squirm. They don't sting the eyes but they can be drying."

If you are used to washing your hair daily, it can take a few weeks to get used to a new routine. You may be over producing sebum to compensate for stripping the scalp. Gradually increase the days between shampooing and see if your hair becomes healthier and takes more time to appear dirty as a result.



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