What are some "tricks of the trade" to cut moving costs?

The least expensive way to move is to do it yourself. However, not all of us have the time, strength and energy, so our first step is to choose the right professional mover.

Moving companies provide a variety of services and range of fees. Shop for the best service, rates and charges. Determine the degree of liability the mover assumes for your furnishings, what claims protection you will have and the mover's record of reliable service.

Get estimates based on the approximate weight or volume of your belongings and the distance to be traveled. Many companies offer binding estimates, which guarantee a given price, barring additions to the estimated load. This takes the guesswork out of the picture, but a non-binding estimate is apt to be lower than a binding one and might be more feasible - especially if you are able to check the weight yourself at a weighing station. Don't stop with just rates - ask about additional charges and methods used to compute time.

Some cost-wise tactics:

- Leave the oldies, heavies and out-growns behind: the 12-year-old washer and dryer, the workbench, the sandbox. Purge your music and book collection. To make your moving simpler and your home show better, have a yard sale of outgrown clothes, garage "treasures" and other disposables. Give unwanted items to friends or donate to charity.

- Do you own packing but do it professionally. Use specifically designed containers bought from your mover.

- Insure your belongings sufficiently for the move. Mover's insurance is minimal. Check to see if the standard coverage per pound times the weight of your shipment is sufficient to pay the replacement cost of your goods. You may need to purchase additional coverage from your mover.

- To be on the safe side, take your valuables - jewelry, legal documents, family phots, etc. - with you or send them by registered or insured mail. Keeping a list of all items you want to take with you personally may be helpful.

- Save on your taxes. Keep a detailed moving-expenses book with receipts of your costs, including transportation, lodging, meals, etc. If you're moving because of a job change, such expenses may be deductible. Check with your IRS office or tax preparer.