The Importance of Parsimony
	Shopping 101
	Break Out of Your Comfort Zone
	Learn New Skills
	Get Organized
	Manage Time, Manage Money
	Make Good Use of What You Have
	Reap Dividends from Kindness
	Invest in Your Health
	Moderation in All Things
	The Home Court Advantage

	Pre-Stamped Envelopes and Postcards
	Shipping Supplies
	Copier and Printer Cartridge Recycling Services
	Do-It-Yourself Ink Jet Printer Cartridge Kits
	Selling Empty Cartridges
	Saving Resources
	Rechargeable Batteries
	Mail-Order Office Supply Companies
	Discount Office Supply Superstores and Warehouse Clubs
	Bulk Buying

	Photocopying
	Copy Shops vs. Coin-Operated Machines
	Copy Sales, Coupons, and Frequent Buyer Cards
	Photography
	Say, Cheese!
	Professional Photographers
	Models
	Developing
	Reprints and Copyrights
	Stock Photography, Photo CD-ROMs, and Free Photos
	Printing
	The Basics—Paper, Ink, and Design
	Ask For Advice from Your Printer
	Gang Runs
	Proofread
	Mail-Order Stationery
	Large Quantity Print Orders
	Do-It-Yourself Printing
	Desktop Publishing Software
	Pre-Printed Paper

	Proper Postage
	Stamps by Mail
	Select the Proper Class
	PO Boxes
	Direct Mail
	Bulk Mail Discounts
	Business Reply Mail
	Postcards
	Fax, Email, and Face-to-Face
	Postal Business Centers

	Residential vs. Business Telephone Lines
	Second-Ring Service
	Connecting a Second Line
	Calling Long Distance During Off-Hours
	How to Find the Cheapest Long Distance Provider
	Six-Second Billing
	Dial-Around (10-10-XXX) Numbers
	How to Negotiate Lower Rates
	Measured-Rate and Limited Local Calls
	Local Long Distance Calls
	Directory Assistance
	Free Telephone Books from Other Cities
	Frugal Faxing
	Calling Cards
	Cellular Phones

	Internet Access
	Internet Access Options
	Free Email and Internet Access
	How to Select the Cheapest Internet Service Provider
	Web Sites
	To Design It Yourself or Not?
	Free Hosting
	Domain Names
	How to Find an Inexpensive Web Site Hosting Service

	Furniture
	Alternative Furniture
	New Furniture Sources
	Used Furniture Outlets and Thrift Stores
	Other Businesses
	University Surplus Offices
	Military Surplus Auctions
	Garage Sales, Estate Sales, and Classified Advertisements
	Friends, Family, Acquaintances, and Strangers
	Chairs
	Alternative Offices
	Equipment
	Leasing
	Mail-Order Computer Companies
	Alternative Computer Solutions
	The Hidden Costs
	Used Equipment
	Educational Discounts
	Shareware and Freeware
	Receipts and Warranty Information
	Alternatives to Owning

	Should You Hire a Public Relations Agent?
	Word of Mouth
	Press Releases
	Media Giveaways
	Letters to the Editor
	Author’s Biographies
	Radio and TV
	Lectures
	Donations, Free Samples, and Coupons
	Low-Cost Participation in Trade Shows and Expositions
	Business Cards
	Internet Opportunities
	Selective Direct Mail Marketing
	Advertising
	Be Creative

	Books
	Periodicals
	Audiotapes
	Rediscover the Library
	Online Instruction
	Courses or Seminars
	Small Business Development Centers
	Service Corps of Retired Executives
	High School and College Students
	Conferences and Conventions

	Using Credit Cards
	Accepting Credit Card Transactions
	Processing Credit Card Transactions
	Selecting a Bank Account
	Credit Unions
	Checks by Mail

	Record-Keeping
	The Home Office Deduction
	Commonly Overlooked Deductions
	Deductible Does Not Equal Free
	Hire Family
	Retirement Plans
	Quarterly Estimated Income Tax Payments
	To Prepare Yourself or Not to Prepare Yourself?
	Free Tax Information and Advice

	The Advantages
	The Disadvantages
	What to Look for in an Association
	How to Get Maximum Value for Minimum Dollars
	Barter Associations
	Creative Alliances