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Money Saving Tips

Part of building positive credit comes from practicing good spending habits.  Here you will find a list of everyday money saving tips to help you make smart purchasing decisions.

General - cost savings are everywhere.

  • Make a simple budget - stick to it - and you’re well on your way to covering all the things you and your family want and need.
  • Before you make a major purchase, do your homework. Information about many products is available via the Internet and at the library. One of the best sources of unbiased information is the magazine Consumer Reports.
  • Just because you have never done it before, doesn’t mean you can’t learn. Get information on a new project from books, the Internet, friends or family. It may go slow the first time, but you will have a new skill for the rest of your life.
  • If you only need a tool or piece of equipment one time or on rare occasions, consider renting it or borrowing it. You can probably return the favor with something you own.
  • When buying a major purchase, don’t be afraid to negotiate price. Tell a salesperson that you were able to find a lower price at another store. If they won’t budge on price, perhaps you can get free delivery or an extra item at no extra cost.
  • Displays of items near cash registers in stores are designed to tempt you to impulse buy. Don’t! They are usually items you don’t need and tend to be more expensive than items found in other places.
  • Labels are one of the most helpful and informative buying guides. Read them to find out: 1) brand name of the product, 2) name and address of the manufacturer, 3) materials or ingredients used in the product, 4) size or amount of the product, and 5) how to use and/or care for it.
  • Find out the store’s return policy for regular price and sale merchandise before you purchase.
  • Before attending an “in-home demo or party”, determine the maximum you can spend and stick to it. Try hard not to impulse buy.
  • To avoid being “taken” by door-to-door salespersons, immediately ask see identification and a license if required, deal only with known, reputable dealers, ask the salesperson to return later so you can compare prices and think through the offer, and never sign a contract simply to get rid of a salesperson.
  • Do not sign anything if you do not understand it or if there are any blank spaces to be filled in later. Get a copy of any contract you sign. Beware of referral sales gimmicks in which the consumer is offered a credit against the purchase of merchandise, in return for names of other possible customers. Rarely does the consumer receive any reimbursement.
  • Contact the Better Business Bureau or attorney general’s office before you sign a contract, if in doubt about the seller.
  • When mail-order shopping, these tips will help you avoid common problems: 1)order merchandise well in advance of the date needed, 2) fill in the mail-order form accurately and completely, 3) send check or money order, never cash, and 4) keep a copy of the mail-order form and any communications that you have with the company for your records.

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Gas Savings - Making the most of your Gas Mileage.

  • Contrary to sales pitches, higher octane and premium gasoline are rarely necessary unless you own a car such as a Jaguar, Mercedes-Benz, Ferrari, or Rolls Royce. Premium gas does not improve performance in other cars. And virtually all gasoline contains the same detergents. Signs of too-low octane are a lack of power and an engine that continues to run after you turn the car off.
  • Avoid devices that promise they will save you gas. When tested by the federal government, almost none saved gas and those that did saved very little.
  • Using cruise control on the highway helps you maintain a constant speed and, in most cases, will save gas.
  • Aggressive driving decreases gas mileage. Limit sudden stops, rapid accelerations, and drive the speed limit.
  • Improve your car’s fuel efficiency by keeping your tires in alignment and properly inflated. Radial tires are also more fuel efficient than bias-ply tires.
  • Select a manual transmission instead of automatic on your next car. You’ll lower gas costs.
  • Don’t let your car idle more than a minute. After one minute, it is cheaper to restart the engine.
  • Get rid of unnecessary weight stored in your vehicle such as extra tires, tools and recreational equipment. Extra weight can slow you down and use up your gas mileage.
  • Using less air conditioning in your car-particularly while driving in the city-can also save gasoline.
  • Combine shopping trips with other errands to save gasoline.
  • Read your owner’s manual for valuable tips on minor repairs, maintenance and running economy.
  • Use public transportation or carpool whenever possible. You can save on gas, wear, and tear on your vehicle, and parking fees.

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Clothing - total wardrobe planning is the key to looking great for less.

  • Before you go shopping for new clothes, take an inventory. You may be surprised at what you already have. The inventory will also help you find clothes that fit with your current wardrobe.
  • Based on your inventory, make a list of items you need, including sizes, colors, fabric, and other requirements.
  • Spruce up last year’s wardrobe with new accessories.
  • Extend your wardrobe by purchasing separates that can be mixed and matched.
  • Consider your priorities - high fashion, top quality, classic styles, or comfort.
  • Have special clothes for working or rough treatment so you don’t ruin your good garments.
  • A “great sale” purchase may not be a bargain if it doesn’t match what you already own in terms of coordinating items, shoes and accessories.
  • Shop for clothing at the end of the season when prices are often drastically reduced.
  • Check for stains after each wearing so you can treat them before they set.
  • Shop at discount stores for basics like underwear, blue jeans, and socks. The quality is generally good and the prices are substantially lower.
  • When purchasing clothing, consider the cost of caring for it. Dry-cleaning is much more expensive than laundering.
  • Follow the manufacturer’s instructions for care of garments. Don’t wash or dry clean clothing more than necessary. Washing and drying wears the fabric and stresses the seams.
  • Store clothes correctly for longer life: moth-proof woolens, put cottons in unstarched.
  • Do-it-yourself dry cleaning is thrifty for colorfast non-washables that don’t need professional pressing.
  • Choose darker colored outerwear for less frequent dry cleaning.
  • Shop around for a dry cleaner that does quality work at lower prices. Take advantage of special offers such as three jackets for the price of two.
  • If you decide you must have an item that is trendy or a fad, it often makes sense to buy a lower quality item at a discount store. This is especially true if you will only wear the item a few times or one season.
  • Look for signs of quality when you shop for clothes. Specific things to look for include double stitching on seams, buttons that are sewn on securely, reinforced buttonholes, plaids or checks matching, and the item holding its shape
  • Check the Yellow Pages for resale stores, second hand shops and thrift shops that sell good used clothing. You can often buy high quality and designer clothes at a fraction of their original cost.
  • Garage and yard sales are an inexpensive source of clothing for children. You can buy items at a much lower price than what they would cost if new. When your kids outgrow the items, you may also be able to sell them to someone else by having your own sale.
  • Start a swap program of good clothes that are outgrown before outworn, especially children’s and maternity clothing.
  • Easy-to-make children’s wear and casual clothes may save you 20-50%. If you don’t know how to sew, trade skills with someone who does.
  • For baby clothes, go to garage sales. Check out the clothing in re-sale shops.
  • Don’t overbuy, especially with children’s clothes or items whose style might change.

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Credit Cards - Necessary evil, sometimes.

  • When shopping for a credit card, you will also want to consider any fees. Look for credit cards that have low or no annual fees. Read the fine print to find out how much you will be charged for late payments, charges over your credit limit, and cash advances. These fees can cost you a lot.
  • Most major airlines now offer co-branded Visa or MasterCard that offer frequent flier miles for each dollar you charge. Your primary concern in selecting a card should still be the credit card’s interest rate and annual fees.
  • Look carefully at which of four computation methods is used to calculate the Average Daily Balance on your card. The most costly method is the Two-cycle Average Daily Balance Method which really hurts you if you pay off your entire balance some months and not in others because it averages your balance for the current month as well as the previous month.
  • If you are paying interest, mail your check as soon as you receive your statement because the earlier your money is received, the lower your average balance will be, reducing the finance charge.
  • Take advantage of your grace period in order to pay off the entire balance each month. Pay off credit card debts as soon as possible.
  • Use credit cards as little as possible. They carry high interest rates. Keep one credit card, no more.
  • Card issuers allow you to make a very low minimum monthly payment but don’t take the bait. You will be paying for a long time, possibly forever. And the total interest will shock you. Always pay more than the minimum.
  • Ask the credit card company for a lower interest rate; if you can’t get one, shop around for another card.
  • If you are transferring an outstanding credit card balance from a high-interest to lower-interest card, make sure the lower interest rate on the transferred balance applies to new purchases and determine if and when the interest rate on the new card increases.
  • Keep a list of your credit card numbers and who to contact if they are lost or stolen. If you contact the card issuer as soon as you realize your card is missing, you are only liable for the first $50 of unauthorized purchases on each card.
  • Most credit cards do not have a grace period on cash advances. You pay interest every day until you repay the cash advance, even if you do not have an outstanding balance from the previous month.
  • It is usually much more expensive to take out a cash advance than to charge a purchase to your credit card. Use cash advances only for real emergencies.

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Entertainment and Eating Out - have fun without getting broke.

  • Assess your viewing habits to determine whether you really need to pay for extra channels. Consider whether you watch enough of the premium channels to justify paying extra. It may be less expensive to simply purchase basic service and rent videos when you want to see a movie.
  • If you are in no hurry for cable service, it might be worth waiting to install it until the cable company runs a special that includes free installation. These offers sometimes require you to buy one or more pay channels such as HBO, Showtime, or the Disney Channel for a month to get the free installation. Don’t forget to cancel your order for the pay channel when the offer expires.
  • If you are renting a cable converter box, check to see if you can buy the box outright. It is usually less expensive in the long term.
  • When you move, be sure to return your rented cable box. You probably paid a deposit for the box; if you fail to return the box, you could be out your deposit plus owe the price of the box. If you have kids who like to play video games, consider renting them at a video store versus purchasing them. Besides saving money, you will have access to many more games that reduces the chances the kids will be quickly bored.
  • Tickets for movies are expensive when a film is just released. Consider waiting until a movie is shown in neighborhood or discount theatres or on video. Instead of buying them, borrow books and magazines from the library. Many libraries also lend records, tapes, CDs, and videos.
  • If you want to eat out, breakfast and lunch are usually less expensive than dinner. Some restaurants also offer “early bird specials” if you eat early in the week (usually Monday or Tuesday) before the prime dinner hour.
  • Ethnic restaurants, particularly Chinese, Mexican, Middle Eastern, and Far Eastern often offer large portions for very reasonable prices.
  • Watch for special coupons for local restaurants such as offers of two-meals-for-the-price-of-one.
  • Alcohol can be a budget buster especially when eating out. Choosing a soft drink, water or iced tea at a restaurant can cut the cost of a meal in half. If you typically have more than one alcoholic drink, the savings are even greater.
  • Matinees cost less for most entertainment.
  • Fun parties at low cost include a “round-robin” or progressive dinner with everybody contributing one course.

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Food - the biggest budget item for most families.

  • Keep a list of items you are running low on and use the list when you go shopping. You will spend less on food, are more likely to get what you need, and less likely to buy on impulse.
  • Compare items on a price-per-ounce or other unit price. Some stores provide unit pricing on product shelves but be wary whether the price is accurate. A calculator is handy for price comparisons.
  • As you find items you plan to purchase, write the price alongside the item on your list. Use this price list to be sure you are charged the correct price when checking out.
  • Watch the register as the cashier rings up your sale to be sure you are charged the correct price.
  • Unless you know the prices are low, don’t buy health and beauty items such as aspirin, shampoo and toothpaste in a grocery store. You can usually save money buying these non-food items in a discount or drugstore.
  • Newspapers and store circulars are full of coupons and other promotions for grocery store items. “Loss leaders” such as milk, eggs and bread sold below cost to attract shoppers can be a great deal as long as you don’t buy items you don’t need.
  • Check out no frills and store-brand products. Often they are just as good and lower priced than name brand items.
  • You can save hundreds of dollars a year by shopping at the PX and other lower-priced food stores. Avoid convenience stores that often charge the highest prices.
  • For an annual fee, warehouse stores offer bulk items in a no-frills setting. Buying in bulk at these stores is not always the best buy-retail stores may have store-brand items that are cheaper than the name-brand product offered by the warehouse store. The annual fee at warehouse stores can also wipe out any savings.
  • Before you buy in bulk, consider whether you will be able to use all of what you buy and that you have refrigerator, freezer or pantry space to store the item appropriately.
  • Some supermarkets provide free identification cards that you can use to get discounts on items you purchase. Be aware that higher prices on other items in the store may quickly wipe out your savings on the discounted items. You are probably also going to have to provide personal information such as your income level, marital status and household size in exchange for this benefit.
  • If a store doesn’t have an advertised special in stock, ask for a rain check so you can get the item when it is back in stock at the special price. Find out when the rain check expires.
  • Buy produce when it is in season. Planning meals around these items can help keep your food budget under control.
  • Don’t take vitamin pills unless you have analyzed your diet and determine it is deficient. Even then, a better course of action is to correct your diet. At the supermarket, buy store brands.
  • Convenience food cost more than food prepared at home. Use convenience foods as little as possible.
  • Take a brown bag lunch and find other ways to reduce the number of meals you eat out.
  • Instead of using a coffee machine or buying drinks from a machine, carry a thermos. If you have a microwave at work, bring instant coffee or tea bags.
  • Reduce your use of paper products and save more money than you would imagine. Dish cloths and cotton towels can cut your use of paper towels. Use a coffee mug instead of paper cups.
  • Avoid store packaged fresh fruits and vegetables. The packages often add expense and too often hide imperfections in the produce.
  • Don’t shop when you are hungry. You are more likely to purchase junk food and make impulse purchases.
  • Save money on meat purchases by buying meat when it is on sale. Buy extra at the lower price and freeze for a future meal.
  • If you can avoid the temptation to buy things not on your list, shop at more than one grocery store to take advantage of the special advertised prices at each as long as it doesn’t require a lot of driving.
  • When you use coupons, it may be cheaper to use them at stores that will double their value.
  • Check the label of perishable foods, including eggs, cottage cheese, cream cheese, bread and cakes, for the last recommended date of sale or last recommended date of use. Avoid buying items nearing either of these dates so you will have more time to use them before they perish.
  • Lower grades of meat and poultry are usually just as nutritious, and cost less.
  • Home delivery of prepared food is expensive.
  • Plant a garden for low-cost fruits and vegetables or an herb garden for seasonings. Besides it’s great exercise.
  • Use dry milk or evaporated milk, especially for cooking
  • Stretch main dishes by serving a first-course salad or soup, and a side dish of potatoes, rice, or noodles. Use lower heat for roasts and shorter cooking times for vegetables for less shrinkage and more flavor.
  • Make your own mixes and convenience foods. Mix big batches of dry ingredients and seal in individual containers or bags.

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Home Furnishings - careful buying leads to physical & financial comfort

  • Multi-purpose furniture saves money and space - sofa beds, sit-on storage chests, futon, etc.
  • Choose standards sizes because outsized items can be a headache to move, cost more, and can be limited in style.
  • Try the classified ads for big bargains. People who are moving often sell nice things at low cost.
  • Before you buy furniture, check the fabric label. It should give you cleaning instructions and information about any anti-stain treatments the manufacturer has already applied. The anti-stain treatment offered by the store may be unnecessary.
  • Know what you want before you shop for furniture. Establish a list of items you would like to have, sizes, measurements, how much you can spend, and which items are priorities. A tape measure and samples of carpeting, wallpaper, paint and other upholstery can help you make sure the new furniture will fit with what you already have.
  • Check colors in daylight as well as artificial light.
  • Inspect merchandise - try doors, drawers and all movable parts; sit in sofas and chairs; check inside, underneath and in back for construction details; and rock furniture to test sturdiness.
  • Find out if finishes have been applied to the wood or fabric and if so, their purpose.
  • When buying any large appliance or piece of furniture, make sure you can get it inside your home. Measure doorways and stairwells to be sure you aren’t surprised upon delivery.
  • Comparison shop for furniture as prices can have huge variances. Be sure to check out superstores that often offer huge selections with rock-bottom prices.
  • Explore your options for affordable furniture that you assemble yourself from discount retailers and catalogs. Furniture that can be taken apart and reassembled later is also easier to move.
  • Check out alternatives to new furniture stores such as Goodwill, the Salvation Army. New furniture stores may also offer special prices on items that were on display or slightly damaged. Sometimes a can of paint or an inexpensive fabric cover can make all the difference in how something looks and it provides you a chance to express your own personality.
  • Think twice about “rent-to-own” offers. Do some quick multiplication to determine the total cost of the item you want to purchase. The interest will probably be much higher that what you would pay if you purchased the item on credit. If you miss a payment, you may also be at risk of having the item repossessed with no credit for the money you have already paid.
  • Carpet that is dense and of medium or short height usually holds up better than high-pile carpet that mats down over time. Initially more expensive, higher quality carpet usually costs less if you will be using it for a long time.
  • When buying carpet, consider how much foot traffic it will have and how long you will use it. Carpet on stairs and family areas will probably get more wear than guest rooms and bedrooms, in general. You can probably get away with slightly lower quality in lower-traffic areas. If you move frequently, you will not want to spend a lot on a floor covering unless you can take it with you to your next home.
  • Beware of carpet cleaning scams. Advertisements may promise unbelievably low prices but limitations on the size of a room and special “treatments” can effectively cancel the bargain
  • Consider renting a carpet cleaning machine at a local grocery store or rental store. You will know exactly what you are paying and can trade some muscle for dollar bills.

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Gifts - from the heart doesn’t have to break the bank.

  • Ask about the return policy for gifts. Can the products be exchanged? Keep the receipt for gift purchases in case the recipient needs it.
  • Make your own gifts and cards. It can be more fun, is more personal, and cost-effective.
  • Gifts from far away places. Many foreign mail order houses offer unusual items at low prices. An attic treasure you don’t use can be just right for an antique-loving friend or relative
  • Time is a precious gift. You can give “gift certificates” for so many hours of babysitting, dog walking, lawn mowing, etc.

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Household Goods and Appliances - how does it work, not how it looks.

  • Major appliances: Look for best buys in Consumer Reports magazine. Consider used appliances such as dryers, chest freezers and stoves. Compare energy usage labels on new appliances.
  • Compare dimensions with available space.
  • Compare the installation requirements - electric, water and gas connections - with your existing facilities.
  • Consider construction details - inner and outer finishes, controls, insulation, doors and handles.
  • Read and save sales slips, labels, and warranties - it may save money and headaches later on.
  • Many small appliances may be cheaper to replace than to repair; compare costs before acting.
  • Look for the yellow and black energy guide labels when buying new major appliances. A more efficient model may cost a little more at the time of purchase, but it can save you a lot of money in the long-term.
  • Front-loading washing machines use less water and energy than standard top-loading machines. While more expensive to purchase initially, they can save money in the long-term.
  • Clothes dryer models that sense dryness and automatically shut off the machine cost less to operate than those controlled by timers.
  • Check special features that may add more to price than to usefulness and make repairs more complicated and thus expensive.
  • When buying appliances, be careful about seconds and irregulars. Scratches don’t matter, but major defects can be real trouble.
  • Compare service as well as price. Prompt service for a major appliance such as a refrigerator or washer is important.
  • Watch out for home-repair services that offer free estimates and then report exaggerated or nonexistent hazards that “must be corrected immediately.

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Moving get it down to a science.

  • When preparing for a move, get price estimates from at least three movers. Don’t accept phone estimates that can result in an expensive surprise on the day you are ready to move.
  • Go through your belongings and figure out what you need and what you can sell, offer at a garage sale, give to charity or throw away. The cost of moving may be higher than replacing the item in your new location. Keep in mind also that charity donations are tax deductible.
  • If you have the energy, time and people power, consider moving yourself. You can save hundreds of dollars by renting a truck rather than hiring a moving company. Ask friends to return a favor or hire a few people to help you load up.
  • Even if you hire a mover, save money by doing your own packing and unpacking. Ask a local grocery store for strong boxes instead of buying them from a moving company.


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Recreation, Fitness, and Vacations - get physically & financially fit.

  • It’s not easy to resist a child’s cries to “buy me this” or “buy me that,” but a little will power can save you a lot of money and teach your kids some valuable consumer skills. Consider giving your child a specific amount to spend and letting them make choices with their limited resources.
  • Garage and yard sales are a great source of inexpensive books, games, and toys for children at a fraction of the cost paid if new.
  • Encouraging children to be creative is important to their development and to your pocketbook. Empty boxes, plastic bottles, yarn scraps, old buttons and old magazines are just a few of the things you will find around the house that can be used for art projects. Old clothing, shoes and jewelry can yield hours of theatrical play.
  • Discover your neighborhood. Consider local parks, playgrounds, museums, fairs, concerts, swimming pools, sports events, and beaches. If a fee is charged, check if there are reduced rates for special days or times of the day.
  • Consider cheaper ways for achieving your fitness goals. Public recreation facilities and YMCA/YWCAs often offer access to equipment and programs that are much less expensive than private fitness clubs.
  • Quit smoking. Think how much you could save in a year if you put the money spent on cigarettes in a savings account. The American Cancer Society and the American Lung Association are among the organizations that sometimes provide classes on how to quit for free or at a low cost. Your health insurance may also cover the cost of classes or programs.
  • New sport or hobby? Rent or borrow equipment first, to make sure you enjoy it. This also gives you a chance to compare brands and types of equipment.
  • If possible, go to resorts just after the tourist season ends.
  • When traveling with children, look for hotels and motels that don’t charge for children sharing the parents’ room.
  • Camping vacations are fun and economical, especially for a family. Try low-cost, well-run government campgrounds and parks. Borrow camping equipment at first.

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Utilities - What you don’t see can really cost you.

  • Use fluorescent bulbs instead of conventional incandescent bulbs for lighting. Super-efficient fluorescent light bulbs may cost more to purchase, but they have a lifespan many times that of a regular bulb. Fluorescent bulbs are also less costly to operate.
  • Every degree you turn down you thermostat will cut your heating bill. Likewise, every degree you raise the air conditioning thermostat will cut your cooling costs.
  • Wear an extra layer of clothing to keep comfortable versus turning up the thermostat. Since your arms, legs and feet are particularly susceptible to heat loss; long-sleeve shirts, fleece pants and warm socks are especially helpful.
  • Take care not to block the flow of air from heating and cooling units. Keep furniture and draperies away from sources of warm and cold air.
  • Caulk around any gaps in walls and around openings for pipes, dryer vents and electric cables.
  • To prevent heat loss at night, use heavy curtains and close them.
  • Fans use far less electricity than air conditioners - they bring cool evening and morning air into your home. They also provide air movement that is cooling in itself. Place one fan at one end of the house to draw in cool air. At the other end of the house, use another fan to blow out air and create a comfortable breeze.
  • Keep your house closed during hot days. Open the windows in the evening when it cools outside.
  • Take advantage of free home energy audits provided by local utility companies. They can tell you where weather stripping and other insulation can reduce your energy costs.
  • Treat your furnace to a tune-up. If you use oil to heat your home, the company that delivers it may even do it for free as part of your service contract.
  • Keep the filters and coils of your furnace, air conditioner and refrigerator clean. These appliances work more efficiently when they are clean.
  • Be sure the seals on the door of your refrigerator are airtight. To check, close the door over a dollar bill with half of it in the refrigerator and half of it outside. If you can pull it out easily, your seal may need replacing. You might also try adjusting the “feet” of your refrigerator to make sure the refrigerator is level and the door shuts securely.
  • If your gas oven or stove has a pilot light, make sure the flame is blue and cone-shaped. A yellow, “jumping” flame indicates the light is burning inefficiently
  • If you plan to purchase a major appliance such as a refrigerator, heating pump, or air conditioner, ask your local utility company if it has an energy-savings program that offers rebates or another type of subsidy if you buy a more efficient model.
  • Cover vents and exhaust fans when they are not in use to keep outside air outside
  • The only advantage of leasing a telephone is that the phone company will repair or replace it at no additional cost if it breaks. Telephones have become so inexpensive that it is typically cheaper to purchase than lease
  • Consider how many phone features you really need. Are call waiting, call forwarding, speed dialing, call answering, caller ID, call screening, repeat dialing and automatic call-back really worth the extra fees? Many phones are equipped to repeat-dial a number if you press the # key. An inexpensive answering machine costs less than a phone company’s answering system.
  • For a fee, phone companies offer a wire maintenance service. This means you don’t have to pay for repairs to lines within your house. Even though the cost of a repair can sound frightening, phone line repairs inside a home are rare and wire maintenance services are generally only a good deal for the phone companies that profit from them.
  • To find the least expensive telephone carrier for you, request rate charts and brochures from the major telephone companies. Look at past long distance bills to determine your typical calling pattern. Use this information to determine what offer is best for you.
  • In some cases, simply changing the time and day of your calls can be a substantial money saver.
  • Your local phone bill will have a basic cost for regular monthly service within your local calling area-typically your town, city and maybe some areas a few miles surrounding it. There is a second charge for calls past the local calling area but which could be within 40 to 50 miles. Referred to as inter-LATA calls, your long-distance carrier may be able to offer this service for less than your local provider. Do a price comparison and request a change in providers if it is a better deal.
  • Consider using the Internet instead of the telephone to keep in touch. Several companies now provide low-cost and inexpensive access to the Internet. In addition to emails, new technology allows you to use your computer and a microphone to actually talk over the Internet.
  • Avoid using the latest technology in telephones. Use a corded phone, not a cell phone. Ask the phone company to give you the least expensive plan that meets your needs.
  • Use a cold water rinse when doing your laundry. It rinses just as well as warm and saves a lot of energy

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