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Do you know the most painless ways to save money?
by Staff
If your disposable income always shrinks to a few lonely dollars before your next paycheck arrives, discovering a few painless ways to save money could make a big difference in your quality of life. This quiz will get you started.

What's the first thing you should change when you decide to boost your savings power?

  • your friends
  • your resume
  • your attitude

How much does it cost to install a programmable thermostat?

  • about $400
  • about $50
  • more than $800

How much can you save on energy costs by adjusting your thermostat?

  • not enough to matter
  • 1 percent for each degree
  • 5 percent for each degree

If climate and proximity allow, what's a great way to shave hundreds of dollars off your commuting costs?

  • map the most direct route
  • pack a brown bag lunch
  • ride a bicycle or walk to work

Why is it a good idea to shop for auto insurance annually?

  • You'll keep your insurance agent on her toes.
  • You can find the cheapest rate.
  • You will be eligible for a safe-driving course.

If you spend $100 a month on your favorite form of latte, how much savings could you build by instead investing that money at 10 percent interest every month for five years?

  • $6,500
  • $5,200
  • $7,800

What is a surefire way to build savings into your workday?

  • pack a lunch
  • arrive 10 minutes early
  • dine out

Dry cleaning can really add up over time, but do you know the potential health risks?

  • You encouter dangerous traffic on the way to the dry cleaner.
  • The only risk is to your wallet.
  • Some dry cleaning chemicals may be carcinogenic.

Can some clothes labeled "dry clean" be washed at home?

  • yes
  • no
  • only if you remove the label with fabric care instructions

How much does a typical meal cost in a fast casual restaurant?

  • $5 to $7
  • $8 to $15
  • $16 to $21

What is one of the most cost-efficient food ingredients to grow in your own kitchen?

  • herbs
  • chicken
  • soybeans

What is one painless way to add to your savings account?

  • eat two, not three, meals a day
  • work a second job
  • make automatic contributions to a savings account

How much could you save at the grocery store by purchasing generic or store-brand items instead of brand-name items?

  • 10 percent
  • 50 percent
  • 30 percent

Most grocery stores offer a price-per-ounce comparison for a variety of items. Where is this information usually located?

  • on a display near customer service
  • in the employee break room
  • on a tag affixed to the store shelf

Which appliance commonly found in homes uses the most electricity per year?

  • cable box/DVR
  • refrigerator
  • hair dryer

Researchers found that mice that exercised regularly experienced what benefits?

  • made friends more easily
  • decreased their appetites
  • reduced or eliminated the effects of aging

How much could the average person save on annual health care costs if he or she exercised on a regular basis?

  • $200
  • $500
  • $50

How can acting as a tourist in your own town save you money?

  • You'll spend less, but do more.
  • Tourists follow a budget.
  • You can dine out for every meal.

What is one way that music lovers can save money on live performances?

  • stay home and listen to a CD
  • buy extra tickets and scalp them
  • attend free community concerts

If your cable box/DVD is an older model that uses scads of electricity, how can you save money and avoid the cost of replacing it?

  • unplug it
  • record more television shows
  • use the push-buttons instead of the remote