Help us stay free, Link back to us! General Information - Bookmark this page

Save Money Off Your Home Utility Bills

Many don't realize that our basic utility bills provide the perfect money saving opportunity for practically every household!

Especially with today's energy crisis so prevalent throughout many of the states, you've probably heard this term - conservation.

Guess what, conservation really means "using less". Using less energy, means you are spending less money. Inevitably, conservation goes hand in hand with saving money.

We sometimes lose sight of the fact that the water, gas and electricity we use in our homes, always comes back to us in the form of a lovely bill. Use the tips below and you may be surprised to find yourself saving $1000 or more every year.

ELECTRIC
~~~~~~~~~

* Fans can really cool a house in warmer months if set up properly. Ideally, you want to set up fans to draw in cool air (shady side of house) and circulate into the warmer areas.

* Get in the habit of turning off ALL lights and appliances that are not being used. You'll be surprised at how quickly the energy savings will add up.

* TURN THE TV OFF! Did you know that leaving the television on is the number one electricity waster in the world? When everyone is finished watching television, especially before going to sleep, turn it off.

* Replace all "non-reading" lights with lower wattage light bulbs or possibly the new "energy plus" bulbs for even more savings over time.

* Get in the habit of hanging your clothes to dry, possibly on a clothesline in a bathroom.

* Insulate! Insulate! Insulate! our number one money saving tip! Check the weather stripping around doors and windows. Caulk or foam insulate any place where outside air has a chance to get in. Don't forget to insulate your attic floor with either "roll" or "loose-fill" insulation.

* Long Term - Install ceiling fans throughout the house. You can then start decrease A/C usage and during winter months, the fans will help circulate warm air throughout the house.

* Long Term - Plant tall shrubs and brushes. Not only will this beautify your property, but also shade your home causing less need for the A/C in summer months and help block out harsh winds in colder months.

WATER
~~~~~~~

* Check to make sure none of the faucets & spigots in your household are leaking/dripping. A slow dripping faucet can accumulate over two gallons per hour.

* When watering the garden, set a schedule and try to water in the early morning hours to help minimize evaporation (between 6am-8am)

* Avoid taking baths and long showers.

* Leave the faucet OFF when you are brushing your teeth or shaving. Only turn it on when needed.

* If you must wash your car at home, only turn on the hose when you're rinsing.

GAS
~~~~

* During winter months, light a fire for warmth instead of using the central heating unit. Wood is still cheaper than gas. * check and make sure fireplace is working properly

* Wear seasonal appropriate clothing around the house. Get used to wearing sweaters and pants during winter months. You'll find that you won't need to turn the heat up as high.

* Lower the temperature on your gas water heater. You really don't need water heated up to 180 degrees. Lower it a bit and save.

* Turn off stove and oven a few minutes before time is up. Residual heat will finish the job perfectly.

PHONE
~~~~~~~

* Compare the prices of various long distance providers and ask the representative which plan provides you the greatest savings based on your calling history. With all the long distance companies on the market, don't be afraid to change to one that's more appropriate for you.

* Get used to email and the Internet! It costs little to nothing to use, and now with instant chatting services like Yahoo Messenger, here's the perfect money saving opportunity.

* Find a good reason to have people call you. You can even come up with a good excuse for them to "call you back".

HAVE A FAMILY? MAKE A GAME
~~~~~~~~~~~~~~~~~~~~~~~~

If you have a family, turn this utility saving exercise into a GAME! Make some type of 'agreement' with all the family members where the savings accumulated each month will be put into a 'savings jar'. Then after six months or a years time, a nice vacation can be arranged.

Sit down with everyone when the bills come and compare the savings from month to month. Not only can this be an educational experience for your children, but it's the perfect opportunity to get the whole family involved working towards a goal.

Gregory Thomas, editor of http://www.SavingSecrets.com - has written hundreds of effective money-saving tips, strategies, and articles over the past 6 years. Visit their website and you'll find FREE money-saving articles, a monthly newsletter, and even a FREE Ebook download just for stopping by!

In The News:


More Personal Finance Daily stories
MarketWatch - 8 hours ago
The good news is the mortage rates have fallen to 5.5 % - great huh ! And the bad news is you can't get one ! Mortgage applications filed last week rose a ...

US churches offer personal finance courses during recession
guardian.co.uk, UK - 12 hours ago
About a third of the families at Lyon's church have taken its four-week course on personal finance that includes the message about taking care of all of ...

Baltimore Personal Finance Examiner
Examiner.com - 5 hours ago
by Craig Meister, Baltimore College Prep Examiner The long-emulated Harvard endowment has lost a startling 22% of its value since June. ...

New Zealand Herald

Business writer David Chaplin blogs on personal finance
New Zealand Herald, New Zealand - 7 hours ago
Although it's difficult to get too excited about this 'historical' biggest ever 1.5 per cent cut in the Official Cash Rate (OCR). For one thing, the drop to ...

Boston Globe

Personal Finance: Don't let Web scams ruin holiday
Sacramento Bee,  USA - Nov 30, 2008
Whether you're shopping online or just checking your personal e-mail, don't get financially fooled this holiday season. "In this economy, when we're all ...
Video: Online Retailers See Monday As Black Friday AssociatedPress
Bargain hunters head to the Internet in search of good deals Inside Bay Area
Online Retailers Offer Deals For Cyber Monday MyFox Washington DC
all 1,993 news articles

Mutual Funds & Personal Finance
Investor's Business Daily (subscription) - Dec 1, 2008
BY PAUL KATZEFF Equity income funds are designed to be relatively safe equity investments by virtue of their focus on income-generating stocks. ...

Personal finance: Survive the holidays with budget intact
Fort Worth Star Telegram, TX - Nov 30, 2008
The Christmas Countdown has begun. Black Friday was a couple of days ago. For the next month you will be charmed, pitched and enticed. Plan ahead. ...

New York Times

A Drop in Pay, but a Leap in Karma
New York Times, United States - 27 minutes ago
So he became a franchisee of the Personal Training Institute, a chain of storefront gyms that pair half-hour, one-on-one workouts with weekly nutrition ...

Tinker Federal Credit Union launches personal finance education site
Finextra, UK - 17 hours ago
"Personal financial management doesn't have to be all doom and gloom. With education, individuals can make responsible choices which will benefit their ...

The Associated Press

Online Money: Fidelity expands online news focus
The Associated Press - 23 minutes ago
The redesign also adds personal finance articles from outside publications, commentary from more than 20 personal finance columnists, tools such as ...
personal finance - Google News

Chex Systems ? Why Every American Needs To Guard His Checking Account With His Life

Most Americans have been brought up to be concerned about a good personal credit rating, because of the role a positive rating can play in your long term plans; purchasing a home, buying... Read More

How to Obtain a Non ChexSystems Bank Account Without Being Scammed

Predatory lending exists in the mortgage industry. It's typically when a mortgage broker add's on unnecessary fee's to a bad credit application, because he or she knows that the applicant is in a... Read More

Are You Sick of the Financial Insecurity of Fluctuating Seasons and Income?

Finding a stable and secure income that will come year in, year out, no matter what happens on the farm, will give you real peace of mind. By investing off farm, you are... Read More

7 Simple Ways To Save Money

Each of us knows how to spend money, but do we really know how to save our money? No, I am not necessarily talking about setting aside funds for an investments purposes ?... Read More

Financing Collectibles for Fun and Profit

With the advent of the internet and especially auction services like those provided by Yahoo and E-bay, serious collectors have much larger arenas in which to buy and sell their wares. This provides... Read More

Accessing Funds You Never Knew You Had- Household Utilities and Mortgage Expense Reduction Plan

For most of us the process of getting out of debt and pursuing a venture that would create an income stream leading to early retirement seems just a pipe dream. It goes without... Read More

Budget Planning - Its Elementary My Dear Watson

Does it feel like you have to be Sherlock Holmes to solve the mystery behind balancing your personal budget? Are you living a mysterious thriller where your realization of "financial independence and security"... Read More

10 Quick And Cheap Ways To Cut Your Heating Bill

When you received an energy (heating) bill last winter, were you afraid to open it? Granted that we have a home with a lot of really big windows, but we saw energy bills... Read More

The World is Not Enough - Calling for a More Ethical Approach to Personal Finance

At a time when the entire world's attention is focused on the problems of world debt, with the Live 8 concerts, the G8 summit in Scotland, the Make Poverty History Campaign (MPH) and... Read More

Risky Business: You May Not be as Daring as You Think

I thought I was through with exams when I finished college. Then my financial adviser (a.k.a. stockbroker) had me take a test to measure my tolerance for risk. He said, there were no... Read More

Affording a Home

Can you really afford a house? If so, how much house can you afford? To determine this answer will take serious financial planning, and the best time to start is at least six... Read More

University: A Course in Personal Finance

Recent findings from the Educational Policy Institute indicated that the UK is the third most expensive place in the world to go to university. Combine this with figures from the Prudential, showing that... Read More

Expenses A ? What Are They And What Can We Do About Them

It is crucial as an individual who is striving for financial freedom to be able to recognize the different type of expenses in our lives. It is a proven theory that it is... Read More

Whats The Truth Behind Your Finances?

Between 15 - 20% of people in our country (UK) own there own businesses. This statistic is on the rise thanks to the incredible invention of the Internet. The staggering truth is that... Read More

How to Draw a Personal Budget that Works

Many people spend their little income haphazardly without any planning and end up getting broke before month-end. They then borrow to make ends meet and end up with more problems that they fail... Read More

Budgeting Tips to Save Real Money

Sticking to a budget can be difficult, but with so many demands on your finances you have to be extra cautious. TV ads are constantly bombarding the airwaves with messages that you need... Read More

How To Reap The Rewards With Rewards Programs

Recently, many of these loyalty rewards programs have come to the realization that they must change how they put these programs together if they are going to increase their share of the market.One... Read More

Why Live Frugally

What is it about being frugal, why do it at all? Actually, some people don't do it at all, they have decided that what they want and desire is what they are going... Read More

Ways to Save Energy and Slash Electricity Bills

1. Lighting & Light Bulbs Install low energy light bulbs in rooms you use regularly ? they last up to 15 times longer than a normal light bulb and provide the same... Read More

Financial Readiness: Preparing for BRAC (Base Realignment And Closing)

The recommendations for military base closings have been released and the news is not good. If the recommendations are accepted, you will lose your job. So what do you do? Hope for the... Read More

Vesting and Your 401(k)

Do you have a 401(k) retirement account? Are you vested yet? Before you move on to your next job, it is critical for you to find out if you are fully vested in... Read More

Understanding and Controlling Your Finances

Have you ever wondered what it would be like to be able to have complete control over your finances?If you are like most normal people, you have a job. You go to your... Read More

A Quck Lesson in Saving Money

Did you have a piggy bank when you were a child? I did. Mine sat empty for a long time until my mother convinced me that I should really start putting my pennies... Read More

Retirement Income Needs---Less Than You Think?

It is widely written that you need 75% of your present income to maintain your present life-style in retirement. If you make 100 thousand now, figure 75 thousand in retirement.Fifty thousand now, figure... Read More

Save On Food - Ten Tips

To save on food, be an opportunist. Buy what you like, but buy on sale. Do you need oranges every day? Buy them when they're cheap, then buy grapefruit or orange juice when... Read More

If I Had a Structured Settlement, I Would Use It to Pay for Gas

Has anyone been to the gas pumps lately? Soon $3 a gallon will be the asking price and we'll either have to become cyclists or create some additional income. I plan to do... Read More

Students Investing in Their Future Need to Manage Their Finances Today

With the A-level results coming out, the long wait for UK school leavers hoping to go to university will soon be over. All the hard work that has been put into achieving the... Read More

Budgeting: A Tough Love Way to Handle Your Household Budget

Developing and living by a household budget is by far the best way to get your expenses under control which, in turn, can mean a much less stressful life.However, many families find it... Read More

Budgeting -- The Critical Flaw That Causes Most Budgets to Fail

Budgeting. It's a word we're all familiar with. Everyone knows what a budget is, right? Yet how many of us actually make and stick to a solid monthly budget? The truth is that... Read More

GOOGLE AD