Please call a coach. They can evaluate your specific situation & advise you. Not one coach judged me for being in this awful situation.Lin1
Summer is here and with it comes lots of sun and relentless heat. It's only natural to want to stay as cool as possible, but unfortunately, one of the most expensive systems to run in a home is air-conditioning. With a little bit of planning, you can reduce your dependence on air conditioning or at least limit how much you use it and in turn limit the amount you pay for electricity. To help you get started, we've put together some inexpensive ways to keep cool when the temperature rises.
The first thing to try to fight the summer heat is ideas that won't cost a cent. Here are some things you can try to stay cool naturally.
Not all strategies for keeping cool come without cost. Sometimes a modest investment can pay big dividends when it comes to preventing big energy bills. Air circulation is important to maintaining a comfortable indoor temperature without depending on air conditioning.
If you use air conditioning and can't imagine getting by without it, you are going to pay dearly for electricity, but there are still ways to keep your costs from sky-rocketing.
One sensible purchase you can make to help cut down on your cooling costs is a programmable thermostat. A programmable thermostat allows you to automatically adjust the temperature of your home while you are out of the house and adjust to a cooler temperature before you arrive home. It can also be set to a higher temperature while you are asleep and lower when you wake up.
If you are purchasing a cooling system, whether it is whole house or a window unit, look for one that is "Energy Star" rated (get more information at http://www.energystar.gov/) Look for a high Seasonal Energy Efficiency Ratio (SEER). The current minimum is 13 SEER for central air conditioners. ENERGY STAR models are 13 SEER or more.
Purchasing compact fluorescent lamps (CFLs) can save you money in several ways. They are more expensive initially, but use about one-third the electricity, produce one-third the heat and last about 10 times longer than incandescent light bulbs- so you save money during the life of the lamp and stay cooler.
Try some of these ideas the next time you find yourself breaking a sweat and hopefully you'll be able to keep your cool the next time your utility bill arrives in the mailbox.
By now, you’ve probably broken a New Year’s resolution, or two, or three. But there’s one resolution you can’t afford to break and that’s getting out of debt. You’re on the right path to success being on a debt relief plan, but this is no time to let your guard down. Toward that end, here are 9 tips to help you keep your commitment this year.
Following are five ways to save on your garden: 1) Grow from cuttings. Instead of spending at the nursery, use cuttings from your current plants to grow more greenery. 2) Skip the weed killer. Chemical killers can get pricey. Use a spray bottle of vinegar to kill unwanted grass and weeds, and even keep ants away. 3) Check online. From fertilizer to lawnmowers, try craigslist.org before shelling out big bucks. 4) Visit the dump. Large garden pots cost a fortune; old bathtubs don’t. Try your local dump for creative containers. 5) Reuse, recycle. Old panty hose legs make great ties for tomato plants—they even stretch a little to let your plants breath.
Following are five ways to slash your heating bill: 1) Insulate! If you have any unheated spaces in your home, insulate above them (i.e., the ceiling of your basement, or the rafters of your attic). 2) Adjust the thermostat. Even lowering the temperature by a single degree can save 10% on your energy use. 3) Harness the sun. Unless your windows are really drafty, leave blinds open during the day. The sun’s natural heat will make a noticeable difference in the room. 4) Reverse your blades. Reverse the blades on your ceiling fan when the temperature drops. It will push the warm air down into the room. 5) Bundle up. Put on an extra sweater (or two). Fill a hot water bottle and you’ll stay cozy without spending more cash.
Following are five ways to save on your cell phone plan: 1) Review your usage. Are you chatting at night? During the day? On the weekend? Track when and whom you’re calling and find a plan to suit those habits. 2) Bundle your options. If you’re big on texting (20% of us average 10+ texts per day), don’t pay for each message. Make sure texts are included in your rate. 3) Consider a prepaid plan. This is a worthwhile option if you use fewer than 200 minutes per month. 4) Skip the insurance. It’s just not worth it: Insurance can run you $8 per month and you’ll still be responsible for a deductible (usually $50). 5) Track your international calls. If you often call overseas, investigate carriers that specialize in international plans. You’ll save tons over domestic carriers.
Following are five ways to save on groceries: 1) Shop high and low. Higher-priced items are likely to be chest height while bargains will be at the top or bottom of the shelves. Reach a little to save a little. 2) Don’t shop hungry. It’s harder to resist impulse items when you’re starving. Have a snack before you shop. 3) Make a list. When you’ve planned your purchases ahead of time, you’re more likely to stick to your budget. 4) Not all bargains are bargains. Don’t buy two pounds of tomatoes just because they’re on sale. If you end up throwing them out, you haven’t really saved. 5) Compare prices. If you buy the same things every week, shop around for the best prices. You may end up shopping at multiple locations, but you’ll save on weekly staples.
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