Shopping Tips To Save Money "Save Pennies and Spend Dollars"

Do you know where your money goes? There are the basic expenses that most everyone has such as mortgage, insurance and car payment or maybe two. Utilities are a must and food is always a good thing to have, but could you make an educated guess or do you really have no idea how much you spend a month. Well your not alone. Most people don't.

How can you spend less if you don't know what your spending now? You would be surprised to see how $5 here and $2 there adds up. This seems to be where people fail. The thinking is, "It's only $5." Well it's five dollars today and five dollars tommorrow and so on. After a month of just five dollars a day and pretty soon you've spent $150 dollars on what? What could you do with $150 dollars? The idea is that if you cut back on the frivilous things, you can enjoy spending more where it really matters. That's called budgeting.

This is not an easy change. It's a habit that you have and breaking habits is hard to do.

1. Start by eliminating needless costs, like the doughnuts at the grocery store or the candy bar at the checkout.


2. Plan your errands out so that you get it all done in one trip, in order to save gas. Mow the lawn instead of paying someone to do it for you.


3. Give yourself a spending allowance for groceries and always take a list and a calculator.


4. Shop naked! Leave your credit cards at home.


5. Only take $20 dollars in cash, this will prevent you from overspending.

Soon you will be saving pennies and spending dollars. Whether you are saving for a fantastic vacation, trying to pay off your debts or just trying to live within your means, these tips can help you achieve your goals. You just have to have a goal first and then plan a budget.


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Save Energy and Save Money "A Tip For a Cozy and Comfortable Home"

It's that time again. Jackets and sweaters are back in our wardrobe. The wind is starting to blow and the temperatures are dropping. Meanwhile, the utility bills are rising. Did you know that you could be saving between 20 and 50 % on your heating and cooling costs by following a simple step.

Adding isulation to your attic and walls in one of the easiest and least expensive ways to save energy and your home will feel more comfortable too. The most common and inexpensive kind is the fiberglass batt. It is made with recycled material. Cellulose is another kind of insulation. It is made with 85 % recycled material. Did you ever wonder what happens to your newspaper when it is recycled? Well now you know. Some insulation is made from cotton(old denim) or sheep wool. This kind is great for people who are sensitive to chemicals. And if your thinking what I'm thinking, guess what, all of these are treated with flame retardant chemicals.

Whatever kind you choose, it is best to have a professional install it. This is a very messy job and some older homes have asbestos in the insulation. Only a professional would be able to recognise this and know how to handle the situation.

The government offers energy credits for homeowners that upgrade the insulation in their home, because you save energy and that is better for the environment. Check with your tax advisor to find out more about this.

Does your thermostat constantly kick on? When your utility bill is so high that you have to wear three layers of clothes to be able to afford it, maybe you need to look into an insulation upgrade. You might be surprised to see that you either don't have enough or that you just simply don't have any insulation in the crawl space of your house. The truth is, most people don't know what's behind the walls of their home. You would be amazed at what a builder would do to save a buck. Besides, standards have changed and new products have been developed. They are rated to do a better job at insulating our homes. This would be a small cost that could save you money for years to come.