99 Money Tips: Save on Concerts, Smartphone Plans, Auto Expenses, DIY Projects, and Debt Collector Confrontations

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6 reasons why used is better. Indeed, there are benefits to buying virtually everything secondhand, such as:

Items Are Tried and Tested
When I buy a shirt at a second-hand store, it may have been worn two or three months, a year, or maybe five years. It’s been stress tested in a way that no new garment can be. If it still looks good and has worn well, then I know that trend is likely to continue. The same applies to nearly every category of item in the resale marketplace.

6 ways to save on cigarettes. The best tip, of course, is to kick the habit. Cigarettes are expensive to buy, and even more expensive when factoring in the health problems (and health care expenses) caused by decades of smoking. But hey, to each his own, and if you’re going to smoke, there are ways to save a bit on the cost of cigarettes, such as (who knew?) coupons:

Marlboro.com and Camel.com both let you register for coupons online. The coupons are usually no more than $1 or $2, and they only show up in your mailbox once a month.

8 ways to enjoy culture on the cheap. Instead of buying tickets or paying for admission, look into volunteering in exchange for free access to all sorts of cultural events and attractions:

This year at Bonnaroo andLollapalooza, those willing to pick up trash got in free. Museums and thousands of cool regional events often need volunteers, and the perks can be inebriating. But be sure to check the fine print. The Pro Golfers’ Association of America charges people $200 to serve as volunteers during the PGA Championship. That’s cheaper than forking out $500 for tickets.

(MORE: 127 Money Tips: Snag the Best Deals on Diapers, Cars, Pet Supplies, Healthy Foods, Insurance Premiums, and More)

9 indispensable financial tips for teens & twenty-somethings. Intentionally or not, many young adults are following this tip right now:

Live at home for as long as possible. I know it’s not good for your social life, but living with Mom and Dad after graduating from high school will save you lots of money in rent, utilities, food and other living expenses that you can use to help cover college, or business start-up expenses — and even give you a head start on your retirement savings.

9 things to fix around the house before they get worse. Many DIY projects sit undone because they’re complicated, difficult, and time-consuming. Others aren’t tackled because the homeowner is unaware there’s a problem. For example, carpet strands rising above the rest of the floor should be cut—not pulled—before a vacuum cleaner or curious child pulls on it and makes the situation worse. Here’s what to do before the process that results in the need to buy a new carpet starts:

Fixes don’t get any easier than this—just cut any strands that are sticking up with scissors until they’re level with the surrounding carpet. Problem solved!

10 most deal-friendly online retailers of 2011. Which retailers are tops for online deals? Dealnews gives the highest ranking to the world’s largest online retailer, Amazon:

What makes it so popular? Perhaps the nearly 9,000 deals we found throughout its inventory, nearly triple what the second merchant on this list offered.

10 ways to make your old car feel new. One sign that the economy remains stifled is that the auto repair business is booming—because consumers are hanging onto cars longer rather than trading them in for newer vehicles. Rather than dreaming about the day you can buy a fancy new car, make your current set of wheels look, drive, smell, and feel better by taking steps such as:

Revitalize the A/C
Like your home air conditioner, your car’s AC can suffer buildups of mold, mildew and bacteria. To clean out the system, first make sure the air coming into the system isn’t first passing through leaves, dust or other accumulated grime in the air passageways. Then change or clean any filters in the system. Finally, use an air-conditioning deodorizer to finish things off. If nothing else, your nose should be happier.

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13 things a debt collector won’t tell you. The way debt collectors are incentivized, there’s good reason for them to hound debtors relentlessly:

The more money I get out of you, the bigger my bonus will be.
Every month, we watch top performers get bonus checks of $10,000 or more.

Brad Tuttle is a reporter at TIME. Find him on Twitter at @bradrtuttle. You can also continue the discussion on TIME’s Facebook page and on Twitter at @TIME.

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