so before the end of cooking time. When cooking yeast-raised products in your oven don?t turn on the oven until you put the dough in to cook. After all, this is how the breadmakers work! Don?t use saucepans that are too small for the element or gas burner, and once the water is boiling set the heat only high enough to keep it simmering. Money Tips D on?t keep money in your purse/wallet (or anywhere in the house) if you can help it. If you don?t have it, nobody can wheedle it from you! Use your cash card ( not your credit card) for all purchases and take careful account of how much you spend and what you spend it on. Use your credit card only when you already have the money (or at least most of it) for the item you want. Nothing puts people on low incomes into debt as easily as incorrect use of a credit card. You need to be able to pay off the debt without paying any interest , which means the whole amount needs to be paid as soon as it?s due. If you have problems using a credit card so that you don?t pay any interest on it, the only solution might be to cut up the card and throw it away. Miscellaneous Tips Preferably cut out long-distance phone calls and ask family and friends to ring you . If you can?t, at least cut down on the number you make. Try