Friday, February 1, 2013

SAVE MONEY ON ENERGY DURING ANY SEASON

Energy costs are one of the few things in life that you have some control over. There are limits to controlling these costs such as maintaining a level of warmth in your home so you don’t freeze or have to replace some burst pipes. However, just stepping back and looking around the house and seeing where you may save a little money on heat be able to save you at least a modest fortune.

Caulking around windows and doors is an obvious way to save on heating costs in the winter and cooling costs in the summer. Keeping doors shut and shutting them as soon as possible can be a valuable way of saving some hard earned dollars over a hot summer or very cold winter season. Another less costly way of controlling the temperature in your home is to open windows early in the morning to cool your house naturally during those horrible summer months. Not only will this give your air conditioner a break for a few hours but you will also get a little fresh air inside your home.

You can change the thermostat’s temperature settings depending on the time of day. This is another way you can save money without much difficulty. Keeping heat mainly in rooms you live in is another way to save some money. One house I owned had extra bedrooms that I seldom used so during the winter months I would close the heating vents into those rooms. Just make sure there are not pipes in the walls or floors in rooms that you shut the heat off. Otherwise you might be in for some expensive repairs.

Dressing appropriately for the season should help you stash some excess cash. Cool cloths in the summer and layered cloths in other seasons will allow you to personally adjust your body comfort without turning up the thermostat until you feel warm.

Over the past years I and many people I know have gone to rechargeable flashlights and outside lights as a means of saving a little bit of money on lighting. My solar lights are bright enough to light up the front porch for a few hours after the sun goes down. You might try adjusting outside lighting use depending on the moon and the clarity of the sky. When the moon is out and the sky is clear it is just like twilight all night long and I can see almost my entire front yard. The moon is a great natural security light and what I find best about it is that moonlight is free.

Rechargeable flashlights have been around for years. You can even find crank rechargeable flashlights, camp lights and radios in many sporting goods departments. I use a camp light as a night light in my bathroom and I always use crank lights when I get up and around at night. These flashlights do have to be cranked (recharged) often but the savings in battery costs alone more than makes up for the slight inconvenience of using a small amount of muscle energy to charge the flashlight.

Saving energy by using less electricity on lighting can be as easy as opening a window to let sunlight in instead of using artificial light. Even the use of a night light in your bedroom can be eliminated just by leaving your blinds open enough to see around your room. Finally, painting your rooms in lighter colors will make it easier to see at night. It’s all about that old physics thing again which tells us that dark colors are better at absorbing light and lighter colors will reflect light better.

Finally, there are many ways of saving money on energy as the seasons change. The most important thing is to plan for these changing seasons by making a list of things you can do to save some money when either the snow is blowing or the hot summer sun is beating down. All in all if you plan, you can save a fortune.

Saturday, September 1, 2012

HOW TO SAVE MONEY ON VEGETABLE GARDEN POISONS

The word ‘poison” does not really sound too good when applied to food out of your garden that you and your family are going to consume. In truth, poison is not something you really want to consume and as a practitioner of the gardening arts I avoid using poison like poison. For no matter how hard you may try to wash the poisons off of your vegetables it will be in the back of your mind that you might not be getting rid of all the poison.

I relegate poison to only those times when nothing else is helping. Then I use a mild and also less expensive poison like Sevin. There are many home remedies for treating disease and infestations of insects and they range in effectiveness at curbing diseases and insects from none to working as well or better than main stream garden center poisons. The main items I use to treat disease and control insects are lemon juice and dish soap. I have found that lemon is a repellant to most many insects (including mosquitoes’ b the way). I have also found that dish soap is fairly effective in getting rid of worm type insects and aiding in protecting your plants from bacterial diseases. Both of these remedies are much cheaper than purchasing standard anti-bacterial and insect killing chemicals. In fact, many garden chemical companies offer their own version of soap for organic gardeners and others who are concerned with the well being of their families. Note: I like to purchase lemon scented dish soap so I’m sort of getting a bigger bang for my buck.

Of course the cheapest way of avoiding the expense of high priced poisons is to be proactive in your garden. Many people remember that as children one of their first gardening experiences was being placed in charge of picking tomato worms off of the tomato plants. Certainly hand picking insects off of your plants is the cheapest way of pest control. Cutting infected fruits, leaves and, branches from your crops should always be done to help curb the spread of bacterial diseases. Again, this is the cheapest form of disease control.

Now when it comes to controlling weeds in my vegetable garden I never use any chemicals at all. I pull out weeds and if I can’t pull them out I use a hoe to chop them out. Depending on how often it rains, you many have to pull and/or hoe weeds every week or two. Using muscle instead of poison will always be the most inexpensive way to control weeds.

Overall, you can cut back or curtail altogether the use of chemicals on you vegetable garden. This might improve not only your financial situation but it could in the long run improve on your health  costs. Either way, there are ways to garden and save a fortune.

Tuesday, June 19, 2012

PICK A COIN AND SAVE A FORTUNE

The thing about saving money is you have to make it something that is fun. It’s not just the kids that need to have fun saving money but you personally need to have fun which means you have to get a kick out of what you have done. Saving money is all about finding personal satisfaction in what you have accomplished.

An easy way to have fun while saving money is just to pick a common coin that you get in change; a penny, nickel, dime or, quarter in the U.S. and every time you get home from work or a store you sort that coin out of your change and you save it. You can save that coin in a bottle, can or, piggy bank. The important thing is that you establish a habit for yourself to save that coin.

Of course before you start saving you should set some goals or reasons why you are saving a particular coin out of your change. Otherwise without goals you will be tempted to raid your piggy bank of coins whenever you go to the store. This will destroy the discipline of saving money and in the end, you will end up with a bunch of stuff you bought not because you needed to but such stuff but, because you could buy such stuff and it made you feel good to spend the money.

So the coin(s) you save should be designated for a particular purchase. It could be for Christmas or Hanukah gifts or it could be for an appliance or maybe a trip. The thing is whatever you designate the saving of a particular coin for, it should be more important to you than just stuffing your change into a piggy bank. Otherwise, your saved coins will be spent on lunch or groceries.

Getting your kids to pick a coin and save might lead to astronomical savings for yourself and teach your children that stuff is not free. Have them save a particular coin to buy a video game they want or to buy the latest very cloths that all the other kids are wearing. Rather than hitting mom and dad up for $10, $20 or, $50 for whatever a kid thinks they need immediately it will force him/her to maybe think ahead of the moment and perhaps evaluate whether or not they really want something.  Letting kids save for what is really important to them will empower them in the long run to be better consumers. Making choices as to how money is spent (a scarce resource for most people) is perhaps the most important life lesson that anyone can learn.

Tuesday, June 5, 2012

ALWAYS GET MULTIPLE ESTIMATES BEFORE YOU COMMIT! FOR A PRODUCT OR SERVICE

Even though we intuitively know that it is wrong, for convince we often agree for a product or service with the first person we’ve come into contact with that offers that product or service. We must always keep in the back of our mind that when we purchase products or services (particularly expensive ones) that we live in a competitive society and that there might be someone out there that can provide a product or service cheaper or even of higher quality then the first person we talk to.

It can be quite astounding the differences in prices given by various individuals. Of course some of that occurs because of overhead differences. For instance a drywall contractor who pays most of his employee’s health benefits might have to charge more than one that pays the minimum benefits he is required by law or contract to provide.
Now there is something to be said for using that first person you talk to about providing a service or product if they come either highly recommended by trusted others or you’ve done business with them before. Still, seeking competitive bids from others could help to keep the person you want to handle the service or job stay competitive in his or her prices. Should the person you want to do the job be somewhat higher on their price then others then tell that person the prices quoted by others. Although that person you want may only lower his price a small amount if anything thing at all that seller of a product or service should offer you a plausible explanation as to why the prices are different. If that seller cannot then perhaps you should cross that person off the list of persons you will do business with.

Wednesday, May 23, 2012

SAVE MONEY WITH YOUR OWN HERB GARDEN

Want a great way to save money and get some really good food.  Do you have a small space and want to get a big bang for your buck? Try a herb garden. Herb gardens are easy to grow and many herbs are perennial in Northern Michigan(will come up next year without replanting). Fresh herbs are especially expensive in stores where a few stalks of oregano, sage, chives etc., can be $2.00 or more. Furthermore, nothing tastes better than fresh herbs. Once you start using your own herbs you will wonder why you spent so much money for so little flavor from dried store bought herbs?

Some favorite Northern perennial plants you can grow in your herb garden are: sage, mint, chives, oregano and catnip. Basil is a popular herb to grow but, it is an annual in Northern Michigan. Dill will sometimes seed down and come up the next year but, I don't count on it.

All of these plants can be purchased in most garden centers (sometimes in produce departments in some supermarkets), and are easy to grow. Just plant in well drained soil and keep them watered enough so they won't dry out. Remember though, keep your basil plants covered when it freezes. Also, remember that oregano spreads by roots and is a prolific seed producer so, you will need to keep it contained from the rest of your garden and yard or, it will cover your entire property.

The herbs talked about in this article require little care other than weeding, watering and trimming in the fall. I like to start my plants with a little peat around the roots when I plant them especially, if the soil tends to dry out and get hard. Once established outdoors however, a good mulching is all the soil care these plants require. Any basic fertilizer will work on these plants but, you should avoid high nitrogen fertilizers since they will burn the leaves of your plants and make your harvest less abundant and succulent. Overall, herbs can be taken care of just like your other plants. The herbs mentioned above do like lots of sun and water so, plant in fairly sunny locations and don't be timid about getting out the hose or watering can.

Herbs are great for container gardening so if you have a sunny patio or window sill, you are ready to start herb gardening. From window sill to sauce or frying pan gives you the freshest herbs you can get for your favorite dishes.

I like to plant my herbs with my other perennial plants like rhubarb and asparagus. That way, with all my perennial plants in the same area, I know which garden to clean off first in the Spring.
Overall, herbs are easy to grow, will save you lots of money and, give you a fresh garden to kitchen flavor in your cooking.

Tuesday, May 15, 2012

TEACH YOUR KIDS TO SAVE AND YOU WILL SAVE MONEY

“Teach your kids to save and you will save money” is the kind of statement that people of my generation would call a “no brainer”. The less you spend on your kids for fad purchases and impulse buying, the more money you will have to send your kids to a good college so, that you won’t be supplementing the income of a 42 year old that works part time at a drive up window.. There is nothing wrong with any kind of work but, in the real world of rent, car payments and groceries, income counts. It is better (better paying), to have the education to run the store that has the drive up window then to simply be responsible for the window.
Start training the children to save at an early age. When a child is very young, have them make themselves a savings bank. Don’t buy one in the store. Have them make the bank out of, for example, a plastic jar (metal cans might have sharp edges and may rust on the coins and make a mess). For most children you should be the one to cut a slit in the lid of the jar however, the child can decorate the jar either directly with markers or, by using scrap paper or old gift wrap paper. In short, it is best if the child feels ownership in his first savings bank. It also saves the parent the money of buying some lame bank the kid will dump in the back of his/her closet and never put a cent into it.

The main lesson to be leaned by children is that if they want something bad enough then, they must make sacrifices to achieve that item, skill or, to belong to a given group of peers. Life is all about making choices and reaping the rewards and unfortunately, the consequences of those choices. If a child saves $50.00 then, they should first be made to take the $50.00 out of their savings bank before mom or dad kick in any money. If the kid doesn’t have the savings to buy an item they must learn to have the patience to wait, sacrifice, and save for that item.
Over time, the sacrifice and savings ideology may begin to cause your child to automatically make decisions of sacrifice/denial (cost/benefit in business school). The child will no longer come to you for every small purchase because the child will take care of the item themselves out of an analysis of cost/benefit.
Just imagine how much money each family could save if each time little Jimmy or little Suzie wanted a $5.00 item in a store and little Jimmy and little Suzie were confronted with the fact that the cost of the item would come out of their personal savings. If the child was saving that money for something the child thought was important then, the parent could remind the child that by buying the $5.00 item the child would have to earn an additional $5.00 toward the other purchase.

Forcing your kids to make tough choices will save you and, them a fortune. It is a simple “no brainer” that teaching kids to save early in life will save their parents money and will make the kids happier and wealthier individuals. You are not torturing your kids by making them earn money for things they don’t need. Making them earn money for things they need is not always a bad idea either (like fashionable cloths).

We all can remember our parents trying to teach us to save for items that we felt we had to have. Of course there was always something sweet about buying stuff with money you earned and saved. It is a great feeling for kids and it is just as enjoyable for an adult.

This blog is written from common sense experience regarding ideas to help children learn to save.  These are not text book however, they are how many people I know who have money were raised.  I have an eight year old nephew who could have written the blog.  He finds ways of saving money that surprises everyone in the family, including myself.  When a child smiles as she or he fills up their homemade ( piggy)  bank then, something good has happened.

Tuesday, May 1, 2012

MAKE A LIST OF “I CAN DO PROJECTS” AND SAVE A FORTUNE

When you have a few moments to think about ways to save money try to make up an “I can do” list. Just think of all the tasks that you currently pay someone else to do that maybe you or someone in your family can accomplish and thus, save some money. Just make sure that these tasks are things that you really could do with some education if needed versus things you really should not do because you just don’t have the background and you don’t have the time or perhaps finances to learn a particular skill like electrical work or plumbing.

To put it bluntly, if you don’t know how to do something then it might be dangerous and even more costly to do something yourself. I’ll use my own experience at doing my own plumbing as an example. Yes, now I am able to do much of my own plumbing repair. However, because when I tried to do my first rudimentary plumbing on my own I ended up buying way too many parts that I did not need and could not return. I guess I was just trying to be like my dad who was an engineer and did all of his own plumbing and electrical work. My background was business and finance and all I knew when I started my first plumbing task is that water was supposed to run downhill following the laws of gravity. Boy was I wrong. Water leaks out wherever it can because pressure beats out gravity every time.

Now, I am not trying to discourage people from doing any plumbing tasks themselves or any other repair jobs themselves. Just make sure you either know what you are doing before you start or get a friend or relative who can help you learn how to do the repair. In short, if it is the first time you are doing something then get someone knowledgeable to help you with your task or at least inspect your work once you are done.

Yard care like mowing and fertilizing your lawn are two things that you might be able to do yourself without too much difficulty. Certainly planting trees and shrubs and even grass is not too far beyond what anyone can do with just a few trips to the internet or maybe a conversation with your nearest garden center manager.

Household work can often be done to save money. With all the modern conveniences things like dusting, cleaning carpets, bathrooms and, kitchens can easily be done by someone in the household. Most people can do all of their own housework because even if you have a busy work schedule how long does it take to do a batch of laundry or wipe down the banisters on the stairway? Most tasks like laundry you can do while doing some other task like wiping down the stairway banisters or cooking. Employers call this multi-tasking.

Cooking for yourself and your family will really save you a fortune. With all the terrible stuff that is reported to be put into prepared foods and certain restaurants foods now days I am not sure why everyone does not want to cook for themselves. You can make your own foods more nutritious, more delicious and save a fortune at the same time.

Of course there are many other tasks that you hire out that maybe you can do yourself or at least pay your kids to do. I am a firm believer that paying your kids to do something is a savings because you can make them do work for the family at the same time you can make them happy to get some extra money to buy a CD or video game which otherwise they would want you to buy them anyway. Making kids work for what they want is one of the greatest life lessons a parent can give. It’s like the mother bear teaching her cubs to pick berries.

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