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Not convinced? If you're a saver than you probably already know about websites like ebates.com and mrrebate.com that rebate a percentage of your purchase if you use their portal first to navigate to your store of choice. They're fine and I've used them for years but the returns can be miniscule and you have to wait as long as 90 days to get your rebates. But this site returns on average double what the others do and pays in one week or less!

Booyah to the bucks!

1. Go to Sally's Beauty Supply and buy the long rolled 1/2 tube-shaped cotton that is wrapped around your hairline when getting a perm or color in a salon.

2. Lay the cotton in place around the tub and then use a dye applicator bottle with the small open tip to pour a thin flow of straight bleach onto the cotton. Use an old wooden spoon or paint stirring stick to push the saturated cotton up against the mold. You can use your hands if you're wearing gloves.

3. Turn the fan on, close the door and leave the room. It's advisable to wear a mask and eyewear while applying the bleach onto the cotton (we have to say this). Start at the furthest point & work your way towards the door.

Yeah, who doesn't like to be warm and toasty; but that comes at a cost. By simply lowering your thermostat by 5 degrees you'll see measurable savings on your utility bill. Step up your savings with a programmable thermostat ($50 or less at Home Depot) and you can program it to turn down the heat at times you know you won't be home (during the workday) or during the night hours while you're under a warm comforter.

Want to really save money-- then make the investment in a NEST thermostat (2nd generation or better). You can easily find one for less than $200 dollars on eBay. That may sound steep but it will open up a world of automation that will create enough savings to pay for itself in a year to 18 months. If you trim even $10 per month off your current bill then in a year and a half it's paid for and then you're saving for years to come.

Since it will become integrated into your home wifi network you'll be able to control your heating system from anywhere over the internet. By using the automation website IFTTT you can create simple formulas called "recipes" to become rather sophisticated with the control you can achieve. I created recipes that control my heating system when the temperature outside exceeds a certain temperature or drops below another. By shutting off my heat as soon as the Weather channel shows the outside temperature in my neighborhood exceeds 62 degrees I can achieve better cost-saving efficiencies than controlling it merely based on the interior ambient temperature.

The future has arrived.

This is a big one folks. I'm certain you're as guilty as I am of tossing those receipts prematurely only to find that there's something that needs to go back to the store. Yes, most places will give you a store credit if they recognize the merchandise as their own but you'll likely only get store credit. Then what, you carry around a credit and kick yourself for forgetting you had it the next time you buy from them.

What's easier is to just keep a shoebox or a kitchen drawer (as I do) designated for all receipts. Everything goes in there with little exception. Then when I need a receipt, I have only to hunt a bit to find it. Getting my cash back in hand or a direct credit back to my card is so much better than a store credit if you ask me. One less thing to remember and it's off my mind for good at that point.

One of the inescapable facts of life is that most things are depreciating "assets". To call most things assets is a stretch as it is but you know what I mean. So generally speaking, the minute you buy something brand-spanking new and get it home it's worth less than what you paid for it. (At this point I would say, even after you've purchased something new, don't rip those tags off just yet-- it might just lose it's luster after a few days and you should not hesitate to return it for a full refund).

Get one of the apps out there for mobile devices that tells you where the cheapest gas in your neck of the woods is. Here's a link to an article detailing some of them:

http://money.cnn.com/2014/12/29/technology/mobile/gas-price-apps/

When you find a station with a good price then fill-up the tank whenever possible. Resist the urge to second-guess where gas prices will be a few days from now when you'll need to top-off the tank unless you're a commodities broker in which case I can't imagine why you're here reading this.

By filling the tank you'll achieve what is called "dollar-cost averaging" and over time you'll achieve a savings without driving yourself (pun-intended) crazy and wasting time in line at the pump. Remember time is money. By topping-off whenever you get to half a tank you'll assure no frantic searches for a station when it's least convenient and you won't run the tank to bone dry which can up your chances of having fuel-pump problems down the road if that's your habit.

If you work outside the house or make regular visits to an area a bit out of your neighborhood then check the gas prices in that zipcode as well-- you never know-- sometimes you'll find a station with such good pricing that you should make it your habit to buy from them. For instance in my area there's a station run by Native American's on reservation lands and since they are exempt from certain taxes their gas can be as much as $ .30 cents cheaper per gallon on an everyday basis.