Homeowners' top 10 money-savers

Think tax breaks, energy efficiency, physics

Are you ready to save more of your hard-earned cash in 2010? If so, here are 10 tips that can help you cut your homeownership and home maintenance costs in 2010.

1. See if you qualify for a reduction in property taxes
Has your property’s value declined from last year? If so, you may be eligible for a reduction in your property taxes. You could check with a local real estate professional to determine what your current property value is based on recent sales of comparable properties.

And you should review the guidelines for obtaining a property tax reduction. Typically there is a challenge process offered by local governments if you dispute the assessed value of your property.