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Amy Dacyczyn's book, `The Tightwad Gazette,' is a treasure trove for penny-pinchers. Among her tips:

1. Hang laundry to air-dry instead of using an electric dryer. (Dacyczyn figures it costs her 44 cents an hour to run the dryer. Smaller dryer loads are more efficient, she also found.)

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2. Take advantage of the free entertainment available at your public library: videotapes (one per week saves $150 yearly), audio tapes, magazines, museum passes.

While you're there, check out the how-to books that could save hundreds on simple repairs.

3. Make powdered milk and mix it, half-and-half, with regular milk. A family that drinks a gallon of milk a day could save $20 a month this way, she says.

4. Use home-laundered cloth diapers instead of disposable ones. Savings: $7 per week, $364 per year.

5. Write letters instead of making phone calls. A business-size envelope with five sheets of paper can go anywhere in the United States for 29 cents.

6. Bake two loaves of bread a week. Dacyczyn lists this under `Ten Painless ways to save $100 this year.'

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