With the current and ongoing economic down turn, we find ourselves in a struggle to cope and transition into a new reality. A reality where the hard working American has been gripped and choked by “Big Business”. A reality where society has been limited by rising taxes and a foregoing need to create jobs. Now, the question remains, how do we reverse this economic and financial burden that has been set upon all of us? Can we overcome this transition and turn a negative into a positive? It’s been said that in times of hardship, your attitude and faith will keep you strong, seeing you through all things. What are some of the things we need to consider when examining our personal financial positions? Can we control what we pay in taxes? Probably not! Can we make our employer give us more money? Not really! Although there are many things you can’t control, there are many more you can. As we dive into this article I am going to take you through an intense process, one that will help you improve the things that you can control.
First off, lets’ take a look at the debt aspect of your life. Whether we all own a home or possess multiple credit cards, we have to learn to be responsible and manage all aspects of debt. There are numerous steps you can take to limit and get rid of debt, furthermore freeing up extra cash to invest and pay down other bills. Not only will this help you take back control but it will also help you improve your overall lifestyle.
Home Sweet Home
Costs Many of you don’t realize or even care to understand the different costs associated with owning and taking care of a home. Do you know that thousands of dollars can be saved a year by energy conservation and investments in certain cost saving alternatives. This country has become solely reliable on oil that it’s driving prices up and with each winter hitting, the prices are continuing to climb. Here are some of my cost saving alternatives:
1. Light Bulb Details:
Commercial Electric 14w Ultra Mini Spiral
You can limit the energy levels your refrigerator produces by positioning it away from a heat source, whether it be an oven, dishwasher, or the sunlight. Keep the coils clean; make sure to leave some space between the wall and the fridge. Check the seal of the doors allowing for an air tight fit. Set the temperature between 35 and 38 degrees and your freezer at 0 degrees fahrenheit.
- Keep preheating to a minimum
- Allow air to circulate freely by not allowing foils to be laid on racks and use the top and bottom racks, staggering pans as you cook.
- Glass or ceramic pans can be used by notching the temperature down about 25 degrees Fahrenheit.
- Do not frequently open the oven door to check your food. This will only waist energy and eventually compound your energy costs.
- Maintain range-top burners and reflectors; keeping them clean will reduce your energy bill.
4. Dish Washer:
- As you wash your dishes, be prepared to fill up the dishwasher to get the most out of the energy used to operate it.
- Keep away from using the heat-dry, rinse-hold, and pre-rinse options, using only the air dry feature.
5. Air Conditioner:
- Maintain your unit on a regular basis, replacing the air filter monthly during the summer months.
- If you are in the process of looking to buy an air conditioner, look for one with a seer rating above 8.
- Vary the temperature according to when you’re home.
- Set the air conditioning condenser in a shady spot, allowing it to get rid of the heated air.
6. Warming your home
Instead of worrying about heating costs, I would recommend shopping for a wood burner. That would eliminate that portion of the energy bill during the winter months. If you do not prefer a wood burner, here are a few steps to take to maintain your heating unit.
- A dirty air filter will not only lead to more money out of your pocket but can also lead to heavy repair fees. In contrast, replace that air filter
- Fluctuate the temperature accordingly.
- Inspect cracks and openings around the house, such as around the windows and seal them.