Goals, Money Management, Saving Money

Achieving Financial Goals – The Process Remains The Same

I do not like distractions.  When I am working on an article, I don’t want to listen to music.  When I am watching television, I do not want to hear the noise of the dish washer.  My mind is of the proverbial “one-track” variety.  Multitasking is not for me. When it comes to the management of our finances, I find things work best when I’m focused – intensely focused – on either one goal – or a few, very closely related goals. For instance, let’s assume my goal is to be debt free.  Well, I might have two credit card debts, a car payment, and a student loan.  Each of these debts are part of my debt repayment plan –…

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Home Maintenance, Saving Money

How I Save Money On Electricity

Over the past few months, I’ve been working hard to save money on our monthly power bill.  So far, here’s what I’ve done – I replaced most of the incandescent light bulbs in our house with compact fluorescent light bulbs.  I found a big box of compact fluorescent bulbs on sale at our local hardware store and quickly purchased them.  According to the Energy Star website, compact fluorescent bulbs use 75% less energy than incandescent bulbs.  They also last longer.  I even found some that fit into our recessed lighting, with the curlicue bulb housed inside a standard looking enclosure.  Pretty cool. I had a professional air conditioner installer inspect and clean our HVAC system.  I had an additional return…

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Saving Money, Tips

10 Ways To Save 10 Bucks Each Month

We’re all looking for ways – big and small – to save a few bucks. Here are 10 (relatively) painless ways to save 10 dollars (or more) each month! 1.  Eliminate premium cable / satellite channels – or just select a lower-tier channels package.  With my current satellite provider, we moved down from 250 channels to 150 channels, barely noticed the difference, and saved $10 per month. 2.  Reduce the number of paper towels and paper napkins that you use (and purchase).  With a family of 5, it’s pretty easy for us to go through a roll of paper towels rather quickly.  For tasks that don’t specifically call for paper towels, we now use a trusty dish towel.  Works just…

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