>
Mortgage
>
Buying a Home
>
Refinancing a Home
>
Construction Loans
>
Second and Vacation Homes
>
Investment Property Loans
>
First-Time Home Buyer Guide
>
Meet With Us
>
Mortgage Center Login
>
Home Equity
>
Home Equity Line of Credit
>
Home Equity Loans
>
Compare Home Equity Options
>
Auto
>
New & Used Vehicles
>
Recreational Vehicles
>
Discount Auto Insurance
>
Personal
>
Personal Loans
>
Personal Lines of Credit
>
Certificate Secured Loan
>
Overdraft Protection Line of Credit
>
Share Secured Loan
>
Student
>
Private Student Loans
>
Graduate Student Loans
>
Student Loans Refinance
>
Energy
>
Energy Efficient Loan
>
Solar Energy Loan
>
Tools & Resources:
>
Loan Payment Calculator
>
First-Time Homebuyer Videos
>
Auto Buying Resources
>
Make a Payment
>
Credit Cards
>
Ultimate CashPerks
>
Visa Platinum Rewards
>
Visa Platinum
>
Student Rewards
>
Global Good Card
>
Tools & Resources:
>
Debt Consolidation Calculator
>
How to Improve Credit Score
>
Budgeting Worksheet
>
Balance Transfer Calculator
>
Make a Payment
>
Investment Options
>
Mutual Funds
>
Managed Accounts
>
Stocks and Bonds
>
IRAs
>
Annuities
>
Guided Wealth Portfolios
>
Preparing For Your Future
>
Saving Money For Retirement
>
Living in Retirement
>
Saving For College
>
Estate Planning
Get Connected
>
Meet With Us
>
Manage Your Investment Account
>
Manage Your IRA
>
Tools & Resources
>
Basics of Investing
>
Investment Blogs
>
Investment Events
>
Retirement Calculator
>
Manage Your IRA
On You
>
Life
>
Annuities
>
Long Term Care
>
AD&D
On Purchases
>
Auto
>
Homeowners
On Loans
>
Loan Protection
>
Tools & Resources
>
Value of Insurance
>
Calculate Insurance Needs
I don't know about you, but I, Krystal, grew up in a pretty cold house during winter. We lived in a rural-ish area where natural gas did not run, thus propane was our main heating source, until my father installed a wood stove when I was late middle-school age. Nevertheless, the heat in our house was turned down low (better for breathing we were always told, too!) while we slept and were away at work or school. It certainly never went above 70F when home. If my parents could see our elbows or knees, we were clearly not dressed appropriately for the (winter) season and would be told to put on more clothes. As I mentioned in a previous post or two, I became a bit ‘traumatized’ by several extremely high bills that clients struggled to pay when I worked for the State of Wisconsin's Low Income Energy Assistance Program. To help our clients save money and be more conscientious of their usage—so they could reduce their bill and help them better maintain their budget—I not only shared these tips with my client’s, but I also implemented into my daily life, too!As we move fully into fall and very soon into winter and the temperature in the house goes up, here are tips to help you save some $:
Keep your thermostat at 68F degrees or lower. (For every degree higher you go, you use 3% more energy.)
By sealing cracks and holes in the home where air blows and/or using curtains or blinds to block drafty floors and windows you can save at least 10% on your annual energy bill.
Open the blinds/drapes of your south facing windows during the day so the room will heat up.
Put plastic up on your drafty windows.
Keep blankets handy to toss on if cold.
Find a company to come out and do an energy audit, which will create a custom plan on how and where you can save money. (Find one by you here:
Install a smart thermostat to regulate the heat more effectively in your home. (FYI: If you buy a smart thermostat in 2022, you can qualify for a $60 rebate
>
Whew and wow! This has been quite a challenging and eye-opening process! It has been very hard to do this project as part of a couple when both of us appear...
>
During the week of November 23, we wrote about how we were going to look into options for cost-saving measures. One of those measures was to analyze any...
>
This past weekend, we took our annual trip down to Chicago, which was also paired with a trip to the theater. With being in Project Money, have been more...
>
Something that stands out lately are the number of outlets competing for one’s time, attention, and especially our hard earned money. I don’t know about...
>
If it wasn't so cold out right now, we might not believe that the end of the year is fast approaching, but alas – it is! With that, we have been starting...
>
Initially, we weren’t sure exactly what to write about for this week’s blog post. However, the subject came to us this past weekend as we were reviewing...
Party Planning Doesn’t Need To Be A Haunt: Tips For Saving Money When Throwing A Halloween (or Seasonal) Gathering
>
Many of us enjoy hosting parties with friends and family for seasonal activities and Holidays but don’t want to break the bank doing so! For me and Krystal...
>
I don't know about you, but I, Krystal, grew up in a pretty cold house during winter. We lived in a rural-ish area where natural gas did not run, thus...
>
One thing we’re still working through is being a bit more proactive about unexpected house costs. Sure, we have small savings account for house expenses...