13. Still paying for long distance? A landline can come in handy for emergencies. But don't pay for a long-distance plan if your cellphone plan lets you dial anywhere in the country.

14. Hair cut. Type "cut your own hair" into a search engine. You can get a decent crash course on the Internet.

15. Cap it. Plastic shower caps from hotels make wonderful food storage covers. Or use them to cover dishes taken to potlucks. They can be rinsed and reused several times.

16. Vim and vinegar. Spray undiluted white vinegar around doorways and window sills to discourage ants. A small dish near fruit bowls repels fruit flies. Equal parts vinegar and water will clean windows and other glass surfaces. Boil the mixture to loosen residue in microwave ovens. Or pour undiluted vinegar inside toilet rims during a flush to clean and remove rings.

17. Tech help. AARP members can save with Geek Squad Tech Support & Guidance, a subscription service combining support with prepurchase consultation and one-on-one tutorials. Available by phone at 1-800-921-0907, online at aarp.geeksquad.com, or in Best Buy stores (coupon from online site required).

18. Save on worry. Check out Smart911.com, a new site where you can list info like meds and allergies, which is automatically sent to police and medics when a 911 call is placed. The service, paid for by municipalities, is not available everywhere yet.

Contributors to 99 Great Ways to Save 2012: Arthur Dalglish, Cathie Gandel, Joan Rattner Heilman, Sid Kirchheimer, Jason L. Lawrence, Marsha Mercer, Geoff Williams, Jeff Yeager and AARP members like you.