Tips on Saving Money!

* Buy a bread maker. You can buy one for $55. If it saves you just $4 a week on store-bought bread, that's $208 a year. A 280% return.

* Get a credit card with a great sign-up bonus. Like the AirTran Visa card. Cost: The $40 annual fee. After your first purchase you get enough reward miles for a free flight, saving maybe $250. Then cancel the card. Return: 525%.

* Take out a local library card. Cost: Nothing. If it saves you $10 a month on books, that's $120 a year. Return: Infinite. Note: Some libraries now let you borrow electronic books over the Internet as well.

* Replace your premium cable package with a Netflix subscription and a $100 set-top box. You can download movies and TV programs as well getting DVDs through the mail. Cost: $100 for the cheapest set-top box, plus $17 a month for a three-movie subscription. If it replaces a $50-a-month cable package, that's a 98% return on investment.

* Order a packet of seeds and plant them in a window box or garden. Growing your own herbs, spices, and even vegetables – depending on the amount of space you have – is a great investment. If you spent just $10 on seeds and saved a mere $50 in the year, that's a 400% ROI.

* Switch to a prepaid cellphone. Cost: $20 for the phone, and maybe $100 a year for minutes. Move the rest of your talk-time to free Internet calls, and stop hemorrhaging $60 a month on a cellular plan. ROI: 500%

* Start making your own coffee to take to work each morning. Cost: $20 for a Thermos, $10 for a filter and papers, and $60 a year for ground coffee. Then skip the $4 a day drive-thru. If that saves you $1,000 a year, the return is more than 1,000 %.