The Global Warming Survival Guide

Eliminating your paper trail by banking and paying bills online does more than save trees. It also helps reduce fuel consumption by the trucks and planes that transport paper checks. If every U.S. home viewed and paid its bills online, the switch would cut solid waste by 1.6 billion tons a year and curb greenhouse-gas emissions by 2.1 million tons a year, according to Javelin Strategy & Research. Worried about security? Don't be. Just ignore e-mails "phishing" for personal data, and monitor all (electronic) statements for any unauthorized debits. Report problems immediately, and your credit won't take the hit. To avoid unnecessary carbon dioxide-emitting car trips to the bank on payday, ask your employer to directly deposit your paycheck. You'll get your money faster that way too.