Save on your appliances

First, if you need a new appliance, try to purchase during the month of May. Retail stores tend to discount appliances for Mother's day and Memorial day. Also, many states offer a "tax holiday" during this time.

Don't forget to negotiate. These big ticket items are sold on commission, and the salespeople have the ability to make you a deal. Leverage price matching offers where the store will meet or beat advertised specials from their competitors.

Lastly, get educated about efficient appliances and EnergyStar. EnergyStar is a government program that encourages manufacturers to put labels on appliances that explain how efficient they are. With appliances that consume a lot of electricity, you can save a substantial amount on your monthly bills. See energystar.gov for more info.