Check heating filters once a month . Although there will be a minimal cost up front, this can extend the life of your heater. A dirty filter will make the system work harder, using more energy (and costing you more) in the process. Fix air leaks in doors and windows.
Re-Evaluate Your Budget – If one of your goals this year was to get your finances organized and start spending less frivolously, then now is the time to look back at your first month’s spending habits. Compare the numbers to what you thought you would spend and make the appropriate
The best time to start thinking about the next holiday is when you return from the last one. This gives you enough time to put things in perspective and start saving up. Develop the discipline to save by opening a Holiday Savings Account! What are some of the benefits: 1.
A budget is your most powerful financial tool…you just have to know how to use it. A Gallop Poll conducted over the Summer of 2013, found that only 32% of Americans actually have a personal budget. Where do you fall in this group? With a budget to help guide your spending,
Getting out of the revolving cycle of debt may seem intimidating, but you’ve set the goal: this is the year you stop juggling your debt! According to CreditCards.com, the average American adult has $4,878 in consumer debt. Not all debt is bad, and if managed properly, can increase your credit
(Originally appeared on bankrate.com) 1. Don’t get sucked in by store credit cards Credit cards are nice to have if you can manage them wisely. They can help build your credit and are a safe piece of mind in the case of an emergency. But signing up for all of the
Do you know the difference between saving at a credit union versus bigger banks? At a credit union, your savings generate super powers in the form of pay it forward money. When you deposit money into a savings account, that money turns into a loan for a fellow member to
Statistically, September is the time of the year when things start picking up again after the lazy days of summer. Use this month to prepare for that upswing in social, work, and school events while still enjoying the little of summer you have left! 1. Save on Back to School
