Need a phone number and don’t have access to a local directory? Before dialing directory assistance—which can cost up to $3 per request, depending on your service provider—dial 1-800-FREE-411 (1-800-373-3411) for free residential, business or government listings across the country.

After listening to a 10- to 15-second advertisement, you have the option of connecting to that sponsor or getting your listing. Meanwhile, there is no shortage of online opportunities to save a buck or two. Free directory assistance is also available at these websites: Anywho.com, Superpages.com, Whitepages.com, Switchboard.com and Phonenumber.com.

Sid Kirchheimer is the author of Scam-Proof Your Life (AARP/Sterling Books).