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If a site asks for your credit card to receive a report, you're at the wrong place!Scour your reports for mistakes, and follow the directions for filing a dispute.If that assessment doesn't reflect today's market -- home values are down an average of 30 percent since the 2006 peak -- you may be overpaying.

And there's a nice payoff for a higher deductible: Raise your auto and home deductibles to

And there's a nice payoff for a higher deductible: Raise your auto and home deductibles to $1,000 or more and your premium cost falls at least 10 percent.

Do this now: Once you input your income and outflow into the Expense Sheet on my Web site, print it out and circle every expense that is a want (not a need), then figure out how to reduce or eliminate it.

Oprah.com: Cut spending and create an emergency stash Step 2: Find hidden savings Shop for Insurance Deals Why it's important: You're always looking for the best prices -- why not on home and auto insurance, too?

Step 3: Build Security Boost emergency fund to cover 8 months of living expenses Why it's important: By now I am sure you have started saving.

The next step is to keep at it until you have at least eight months' worth of living expenses.

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And there's a nice payoff for a higher deductible: Raise your auto and home deductibles to $1,000 or more and your premium cost falls at least 10 percent.Do this now: Once you input your income and outflow into the Expense Sheet on my Web site, print it out and circle every expense that is a want (not a need), then figure out how to reduce or eliminate it.Oprah.com: Cut spending and create an emergency stash Step 2: Find hidden savings Shop for Insurance Deals Why it's important: You're always looking for the best prices -- why not on home and auto insurance, too?Step 3: Build Security Boost emergency fund to cover 8 months of living expenses Why it's important: By now I am sure you have started saving.The next step is to keep at it until you have at least eight months' worth of living expenses.

,000 or more and your premium cost falls at least 10 percent.Do this now: Once you input your income and outflow into the Expense Sheet on my Web site, print it out and circle every expense that is a want (not a need), then figure out how to reduce or eliminate it.Oprah.com: Cut spending and create an emergency stash Step 2: Find hidden savings Shop for Insurance Deals Why it's important: You're always looking for the best prices -- why not on home and auto insurance, too?Step 3: Build Security Boost emergency fund to cover 8 months of living expenses Why it's important: By now I am sure you have started saving.The next step is to keep at it until you have at least eight months' worth of living expenses.

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