[Ima saver]

I am working on cutting down my electric bill. Water bill is $20 minimum a month and I never go over that unless I have to water the lawn a lot. I use a telephone card for in state long distance. I make no long distance calls, but my husband does. we use lightyear and my bill is very reasonable. Even tho I budget $240 a month for credit card payment, I am trying not to charge anything.