Household Money Saving Tips
By Steve Gillman
Here are a few ways to save money on some of you household
Save on Banking Account Fees
One way to avoid fees for low balances and such, is to use
"mental accounting" when dealing with your bank accounts.
For example, if the bank account minimum to avoid fees is $100,
just consider that to be $0 in your account. Consider it a $100
investment to save $100 or more in fees every year (and you always
have access to it in a real emergency).
Home Contractor Savings
When you hire home contractors for major repairs or improvements,
have deadlines with penalties as part of the contract. For example,
see if the contractor will agree to knocking $50 per day off
the price for each day past the deadline. Some people call that
a "motivational clause," and it is sure to either speed
things up or save you some money.
Repair Instead of Replacing Carpet
If you are considering replacing carpeting because of permanent
stains (rather than general aging and wear), you can learn how
to repair the carpet instead. Do it yourself and you'll really
save money. See our page
on how to repair carpet for more on this.
Instead of packing them together, spread your flowers out.
Many species will grow to fill the space in any case.
Keep Carpeting Clean
One simple way to reduce the number of times you need to call
the carpet cleaner is to put rugs by entrances. Put a rough one
outside to catch the heaviest dirt on footwear, and another just
inside to get what remains.
Save on Mattresses
Consider buying an inflatable one if you just need an occasional
mattress for visitors. Inflatables are cheap and easy to store.
An additional bonus is that the bounciness and discomfort keeps
your company from staying too long.
Life Insurance Savings
There are a few states that allow agents to rebate a portion
of their commission. You can check online for companies that
sell policies from these states, and you generally don't have
to be from their state to buy insurance.
Buy Energy Efficient Appliances
Energy-use statistics are listed on major appliances, and
if the difference is significant, it may be worth paying a little
more up front to save money over the years.
Save on Batteries
Rechargeable batteries are expensive at first, and you have
to buy a recharger too, but you'll usually save money with rechargeable
batteries in the long run. It might cost $7 for two size "D"
rechargeable batteries, and a few cents more for electricity
to charge them, but you can get up to 50 charges or more; buying
100 regular batteries would certainly cost more.
Cheap Winter Clothing
The best time to buy is in February, when stores are trying
to get rid of their winter stock and get ready for spring. For
example, it is common to see coats at 75% off the usual price.
The best time to buy computers is during "black Friday"
sales or in January, when they often go on sale. Many stores
over-stock for Christmas and in January they need to make room
for new items.
Reduce Water Usage
You can adjust the ball-cock in the toilet to save water.
Most floats are made to be adjustable, but those using metal
stems can simply be bent downward to allow it to turn off at
a lower water-tank level. Test by flushing to see how much water
you really need for a decent flush.
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