Here is August's Get Money Smart in 2011 - (find July here)
Get ready to button up your home. Set up a home energy audit to find out where heat is escaping and how you can seal those leaks. You will slash your heating costs this winter. Your utility company might be willing to conduct one free.
Find great deals on wheels. If you are in the market for a new car, start looking for lower prices on end of the season models.
Simplify paying bills. If you haven't already done so, set up automatic bill payment through your bank or credit union to eliminate late fees. And if your 401k is maxed out, set up an automatic savings plan.