Household Saving Tips – Personal Finance Help

29 Oct

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Got Gas? – Element 3

There are a lot of components in your house that use Organic Gas to run. My parents have a gas stove, fireplace, furnace, hot water heater and a clothing dryer. I consider they are in need of personal finance support if they want to minimize these costs. When they discover their budget one particular day, they will understand if their gas bill is in line with what it need to be based on their revenue. I’ve already shown them to our resource link to get a detailed spending budget spreadsheet and various financial calculators, but they can also search Google. Here are three quick gas saving tips you can implement in your house.

It is Acquiring Hot In Here – I know you have heard the song. You should not get to the point of wearing shorts at house in the dead of winter. Can I supply a basic bit of personal finance help you can use to lower your heating fees. Drop the thermostat setting by 2 degrees and you will conserve a huge 5% on your gas bill.

Mmm Smells Fresh – Why does no one hang garments out to dry. If your dryer is gas powered, you could conserve a lot of cash by hanging your garments to dry. This is my preferred personal finance assist tip as it aids with gas bills, since of the fresh odor it produces. If you locate them stiff, tumble them on low heat for 5 minutes.

I Burnt Myself Yet again – Have you burned your hands while washing them or performing dishes? Feel of all the things you use hot water for. I don’t think your water must be so hot that you are unable to hold your hands underneath it with minimal discomfort. If it is too hot to hold your hand under it, you water temperature is set as well higher and is costing you money. My personal finance assist tip with regards to hot water heaters is adjust the setting so it’s not about one hundred degrees, but is warm adequate to get your dishes clean.

As a private economic consultant, I’ve assisted a lot of families minimize their general costs. Their 1st stage when receiving my personal finance assist is to get their spending budget figured out. Just doing this has usually permitted them to allocate or free up hundreds of dollars a month. The subsequent stage is constantly to see exactly where you can lessen expenditures in other regions. In this situation, I hope these tips will aid you minimize your gas bill. Keep tuned for Component 4.

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9 Responses to “Household Saving Tips – Personal Finance Help”

  1. Sofia February 18, 2013 at 7:54 am #

    I’ve lived with my fiance for 6 years. We have a 30 month old and i’m pregnant with our 2nd child, both planned and overall we are very happy together.
    Before I go on about him I’ll tell you about me to make this fair.
    I’m not the best girlfriend ever, I don’t work and cannot get a job to save my life. I used to work but I quit after doing 12 years full time work in office. I was ok at it, but if something bad happened then I am the most rubbish person at sticking up for myself and I did get pressured by other staff and picked on. I eventually left and along with it went my confidence. I’m not very good at housework and it still looks a tip even if i’ve been trying my hardest to tidy up all day long. I’m not a social person and find this very daunting speaking to people, it’s like I don’t want people to know my business and back off if someone gets to know me too well.
    So the only thing i’m good at is being a good stay at home mom, and being able to keep my weight down and be fit and stay young. This is all i’m good for, but I love our little girl more than anything in the world and i’m grateful for what I have.

    My boyfriend has a good job and looks after us, he never complains and we are happy. But we do have a dark cloud hanging over us. Very recently he has had to take a pay cut, we’re now struggling with our bills and it seems to be getting worse with everything going up etc. We can barely afford to eat. we cannot get any help because we have a mortgage, payment holidays are tricky to get and we would only be adding more debt anyway. Selling our home could take years and boyfriend doesn’t want to move.

    Boyfriend gambles. He got help for it before and quit for months and months but recently started it up again. I found a slip that said £100. It made me feel sick because he couldn’t be bothered to fill his car with fuel and has taken mine to work instead, i’m trying to make ends meet and he knows that the bills are drowning us and then goes and throws away so much money. I sort out all of the finances in the home so he never opens any mail what so ever. I try to tell him the situation with money but he doesn’t really listen and doesn’t worry like I do. His argument is – he earns the money so I should make sure everything is paid.

    I thought next year would be a happy year for us but it looks like I’m going to be at home with a child and a baby by myself while boyfriend is in the gambling shop for hours every night and I’ll just be wondering when he’s coming home. It hasn’t got this bad yet but now that I know he’s started it up again it’s only a matter of time. He uses his own money from a personal account not related to the bills. I have no right to stop him but so worried about how deep his addiction is going to become if he carries on.

    I thought about what I should do but i really don’t know. Do I confront him with the slip I found or do I keep my mouth shut?
    Leaving him is not an option.

  2. Zita February 19, 2013 at 12:50 am #

    DIET TIP:
    Lose weight quickly by eating raw pork or rancid tuna. The subsequent food poisoning/diarrhea will enable you to lose 12 pounds in only 2 days.
    FINANCE TIP: Save on electricity by turning off all the lights in your house and walking around wearing a miner’s hat.
    FINANCE TIP: Save on gasoline by pushing your car to your destination. Invariably passers-by will think you’ve broken down and help.
    HOUSEHOLD TIP: Drill a one inch diameter hole in your refrigerator door. This will allow you to check that the light goes off when the door is closed.
    HOUSEHOLD TIP: Old telephone directories make ideal personal address books. Simply cross out the names and address of people you don’t know.
    INEXPENSIVE ENTERTAINMENT: At work, put decaf in the coffee maker for 3 weeks. Once everyone has gotten over their caffeine addictions, switch to espresso.
    INEXPENSIVE ENTERTAINMENT: Buy a television set exactly like your neighbors. Then annoy them by standing outside their window and changing their channel using your identical remote control.
    INEXPENSIVE ENTERTAINMENT: During rush hour, sit in your parked car and point a hair dryer at passing cars. See if they slow down.
    INEXPENSIVE ENTERTAINMENT: Fool other drivers into thinking you have an expensive car phone by holding an old TV or video remote control up to your ear and occasionally swerving across the road.
    INEXPENSIVE ENTERTAINMENT: Putting just the right amount of gin in your goldfish bowl makes the fishes’ eyes bulge and causes them to swim in an amusing manner.
    INEXPENSIVE ENTERTAINMENT: When the money comes out the ATM, scream “I won!” “I won!” “3rd time this week!”
    PARKING TICKETS: Avoid parking tickets by leaving your wipers turned to ‘fast wipe’ whenever you leave your car parked illegally.
    PERSONAL HYGEINE: No time for a bath? Wrap yourself in masking tape and remove the dirt by simply peeling it off.
    SAFETY TIP: Never attempt to fasten your shoe laces in a revolving supermarket door.
    TRAVELING TIP: Avoid the need to pack bulky shampoo bottles, which can leak in your suitcase, by arranging for the whole family to have ‘skinhead’ haircuts a day or two before departure.
    TRAVELING TIP: When out driving always turn left. Then, should you become lost, you can find your way home by reversing the procedure and always turning right.

  3. Lucinda February 21, 2013 at 12:08 pm #

    My husband works full time and I work very very part time as a waitress when I can. We both are not very good with money. We got married young and it actually seems like we’ve gotten worse over the years. I just want to make sure the bills get paid on time, and we have enough per week for food, gas, etc. Give me your best tips. I recently opened another bank account to use only for paying bills and we are gonna use the other for spending money. I hope this helps. I really think I need to take my husbands debit card 🙂
    Thanks to the first two answers, i think your advice will help very much. and for that third answer was it really necessary for you to even bother answering with that? Obviously i have to “spend money” on food, clothes, gas ect…oh and i have taken care of the birth control thing even though that is none of your business and has nothing to do with the question and i do NOT consider my boys “unexpected expenses” waste your time some more being a jerk and giving useless answers to people who are just looking for some positive advice!

  4. Allen March 5, 2013 at 12:35 pm #

    this is my situation. Im 23 my husband is 24 and we have a child. We rent our house, drive a wrecked 03 mazda, and have no credit. My husband works construction and his current job is said to last for the next year and a half witch before his jobs were only lasting a few months so we never tried to save or anything. We just got our first credit card and we are only using it for gas and paying it off weekly.

    Eventually we want to buy a decent car and a house but have no idea what we should do to prepare. Is the credit card thing enough or is there more we can do? We would like to buy a car (from a dealership) in about 6 months or so. what are some suggestions on what we should do before with things like credit and saving. And advise about buying a house? Thanks!

  5. Cedrick May 7, 2013 at 1:55 pm #

    DIET TIP:
    Lose weight quickly by eating raw pork or rancid tuna. The subsequent food poisoning/diarrhea will enable you to lose 12 pounds in only 2 days.
    FINANCE TIP: Save on electricity by turning off all the lights in your house and walking around wearing a miner’s hat.
    FINANCE TIP: Save on gasoline by pushing your car to your destination. Invariably passers-by will think you’ve broken down and help.
    HOUSEHOLD TIP: Drill a one inch diameter hole in your refrigerator door. This will allow you to check that the light goes off when the door is closed.
    HOUSEHOLD TIP: Old telephone directories make ideal personal address books. Simply cross out the names and address of people you don’t know.
    INEXPENSIVE ENTERTAINMENT: At work, put decaf in the coffee maker for 3 weeks. Once everyone has gotten over their caffeine addictions, switch to espresso.
    INEXPENSIVE ENTERTAINMENT: Buy a television set exactly like your neighbors. Then annoy them by standing outside their window and changing their channel using your identical remote control.
    INEXPENSIVE ENTERTAINMENT: During rush hour, sit in your parked car and point a hair dryer at passing cars. See if they slow down.
    INEXPENSIVE ENTERTAINMENT: Fool other drivers into thinking you have an expensive car phone by holding an old TV or video remote control up to your ear and occasionally swerving across the road.
    INEXPENSIVE ENTERTAINMENT: Putting just the right amount of gin in your goldfish bowl makes the fishes’ eyes bulge and causes them to swim in an amusing manner.
    INEXPENSIVE ENTERTAINMENT: When the money comes out the ATM, scream “I won!” “I won!” “3rd time this week!”
    PARKING TICKETS: Avoid parking tickets by leaving your wipers turned to ‘fast wipe’ whenever you leave your car parked illegally.
    PERSONAL HYGEINE: No time for a bath? Wrap yourself in masking tape and remove the dirt by simply peeling it off.
    SAFETY TIP: Never attempt to fasten your shoe laces in a revolving supermarket door.
    TRAVELING TIP: Avoid the need to pack bulky shampoo bottles, which can leak in your suitcase, by arranging for the whole family to have ‘skinhead’ haircuts a day or two before departure.
    TRAVELING TIP: When out driving always turn left. Then, should you become lost, you can find your way home by reversing the procedure and always turning right.

  6. Terry May 11, 2013 at 6:46 am #

    I’m a 19 year old male, going to school on student loans. In the bank, I have about $3,500 saved from loans, some of which comes from grants and money I made during the summer working. My reasons for wanting to leave are simple: living at home is affecting me negatively. I feel depressed and socially anxious because of the level of tension. My family is highly dysfunctional. It’s almost bizarre because I never meet adults that act anything like my parents. I won’t get into it because it’s an extremely long story. The point is that I need to leave, the sooner the better.

    Currently, I owe about $8,000 for my student loans. I went to school full time all year, so I’m about a third done my degree. This year was just my first, so starting in September, I will be in the second year. I know that the amount of money I have now is likely not enough to live on my own. Because of my social anxiety disorder (and also because I was super busy during the summer), I haven’t been able to find a job, but once I’m done my last exam, I think I will start looking for one because I need to be realistic and start saving. I’ll admit, I think I spent more money than I should have this summer, and now that I will have to pay my debt once I graduate, it’s probably best that I be more realistic with my money. My parents are not helping much. They buy food for me at least, so I guess that’s one positive out of many many negatives. Still, while I may be able to survive at home, I certainly won’t be happy.

    Basically, what I’m asking for is some advice. You know how much money I have in the bank and you know how much I currently have to pay. Obviously I can’t tell you how much money I will have to pay back once I graduate, but I don’t have to worry until then, and I won’t have to pay it all at once either. I feel as if I have several barriers that are preventing me from leaving. First of all, I should mention that I want to act in theatre for a living, and actors usually don’t make much unless they work in restaurants to supplement their income. I suppose I could teach acting as well. Next, my social anxiety makes it hard to get out and find work. I doubt I could handle living with roommates as I am a very private person. My mom also likes to tell me I can’t do it, though I suspect she’s just doing it because she doesn’t want to admit that I have to leave.

    So I need to know some things. How much should I have when I plan to leave? What things should I buy? I already went out and looked out for cheap things I could use and priced groceries. I don’t have a car, so I save money on that. When buying food, I can live with cheaper brands for a while. Dollar store stuff might even be useful. If I lived by myself, I likely wouldn’t need lots of dishes. And I wouldn’t need anything too fancy.

    That’s just some of the things I have thought about. Can you give me more advice and tips please?

  7. Denver June 27, 2013 at 11:35 am #

    Is FAFSA a loan or a grant? And how do you get the federal pell grant and state grants? I’m a single mom starting college in the fall. I was told I would be able to get alot of help with finances….HOW?

  8. Modesto August 8, 2013 at 10:07 pm #

    My boyfriend and I want to move in together , but we arent sure of the costs. Lets say we both work minimum wage 40 hours a week. And rent is 700-900 (We havent found a place yet, but thats our range. For a studio or 1 bdroom) Would this be enough to live on living in Los Angeles? Including utilities and groceries. Thanks for your help 🙂

  9. Reanna September 10, 2013 at 5:17 pm #

    I am 21 and when I finished school I was put into a secure job when I was 18. Due to the recession here in Ireland I lost my job this January. I had a good bit of savings saved up for a rainy day but my father passed away suddenly last year. My parents were split up and my fathers parents (my grandparents) had died years ago. My father was living in Sweden for 5 years when he passed away. He was an only child and so was I. So I had to put every bit of my savings into the funeral and getting him home.
    After all the expenses of a solicitor and sorting out his finances and everything I was left with notting.
    I’m just telling you this story so you understand I’m not a lazy man that does not want to work for my money it is just I can not secure a job here.
    My mothers side of the family have there own problems to worry about and couldn’t help me even if they wanted. So basically I can not get a loan from anyone.
    I don’t have the money to decide to go to college or leave this country i am stuck with a social welfare payment of €100 a week which is getting me nowhere.

    So this is why I’m asking for advice. How can I make extra money for myself without a job. I am willing to do anything. Except take money off an illegal money lender or shit like that.

    I hope someone can help 🙁
    Thanks anyways for reading

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