What are some money saving tips that you use?

I would like to know what things that you do in order to save money? Things like saving money on buying certain things such as household things like soap, tissue, or anything that you do that saves you or your family money.

What happens to your mortgage if you sell your home for less than you owe?

We would like to move into a bigger home. We live in a small condo that we paid a lot for. We will never get as much for it as we owe for our loan, but we have out grown it. We are not in a foreclosure situation because we are making the payments on time without a problem. If we sell our home for less than it is worth, can we add the balance of our mortgage onto the mortgage of a new home, or will we owe the bank the balance right then and there?

Can i buy a blackberry phone online instead of a regular lg one and activate it under my old contract?

My phone fell into a puddle, so for now i have my old lg. I want to buy a blackberry on ebay and activate, but i do not know if i would need to pay for the extra features, such as internet.

What are all mortgages loans for first time buyer? What is the current interest rate on mortgages loan?

I am looking for some personal experience from the first time buyer.
Where is the best place to get mortgages loan?

Is there a federal mortgage loan?
I am looking to buy in the next few months and I need some one to guide me on loan and everything about home buying for the first time.

What happens to credit score if you close a store credit card?

I have a few store credit cards (Macy’s, Banana Republic, etc) in addition to a major credit card. I want to cancel some of the store credit card, but I don’t know how that effects my credit rating. I think closing credit cards in general lowers credit scores, but what about those store cards?