When it comes to your auto insurance, shop around. Call the State Insurance Department for a list of comparison prices charged by different companies. Keep your deductibles as high as you feel comfortable with. If you have an old car, you may not want Collision coverage- just Liability. Follow the same procedure with your homeowner insurance.
Needles slide into fabric smoother.
When your child's pullover sweater becomes to tight to wear, turn it into a cardigan by cutting it straight down the front and binding the front edges with an attractive trim. Keep your fabric remnants. Even if you can't think of a use for them now, new projects will come along. You may end up using them in a quilting project or perhaps make a doll. They may become a collar or a piece of bias trim.