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Changing a bulb is fairly painless, and driving to work in a compact car offers a tangible reward every time you fill up its much smaller tank at the gas pump. And if you live in a particularly hot climate, A/C can account for 60 to 70 percent of your electric bill in the summer months [source: Austin Energy].

But if you live anyplace where summer temperatures exceed 90 degrees Fahrenheit (32 degrees Celsius) for more than a day or two, you'd probably sooner give up the clothes on your back than turn off your air conditioning. So what's a sweaty, frugal-minded and environmentally conscious citizen to do?

But the representative told him the transaction seemed legitimate. Suffice to say, the 5 charge caught his attention: "When you are living on skimpy money like me, it just doesn't slip by," he said."I have no idea who they are," Morales said. I have no reason to contact a dating service."While Speeddate would not give a refund, the representative did cancel the account, Morales said.

"I have the account right in front of me and that money has been returned," he was told by a representative. How did someone get a hold of Morales' prepaid debit card number?

When he checked his statement online, he saw it was made by Retired, his Social Security check is deposited directly to the card.

He called Speeddate to have the fraudulent charge refunded. That means he notices, and is careful about, withdrawals.

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