Showing posts with label save money. Show all posts
Showing posts with label save money. Show all posts

Wednesday, December 3, 2014

10 Ways "going green" around the house can also save you big money.

1. Install high efficiency light bulbs.
Did you know that the traditional light bulbs we still use waste up to 90% of their energy emitting heat? So replace your normal incandescent bulbs with high-efficiency Energy Star bulbs. They’ll lower your energy costs, last much longer, and are much friendlier on the environment.  Look for compact fluorescent light bulbs (CFLs), and light emitting diodes (LEDs), which you can buy at any Home Depot.  Those should save you a couple hundred dollars or more per year. And if every family in the U.S.A. replaced their bulbs, we’d reduce greenhouse gas emissions by one trillion pounds!

2. Program your thermostat.
A new “smart” thermostat, like an Energy Star, allows you to program specific temperatures for different times of the day.  Too often we set one temperature for night and one for day, or even worse, one set temperature, which is completely unnecessary. So you can lower the temperature at night (when you are under blankets) or during the day (when you are at work.)  The U.S. Department of Energy estimates you’ll save 5 to 15 percent per year by turning your thermostat back 10 to 15 degrees for eight hours a day.

It's recommended you keep the thermostat at 78 degrees or higher when cooling the house in the summer, and 68 degrees or cooler in the winter.

3. Stop pouring money down the drain!
Water is expensive these days, and the vast majority of indoor water usage comes from toilets flushing (30% of residential consumption) and showers. So install low-flow showerheads in your bathrooms - they only cost $20 or so and spray no more than 2.5 gallons per minute, saving you a couple hundred dollars per year. And install high-efficiency (low-flush) toilets, which can save a family of four a whopping $300 per year or more in water bills. If you don’t want to replace your new toilet, there’s a super simple (and free) way to turn it into a low-flushing model. Just fill up a few plastic water s with sand and place them in the tank!

4. Plug air leaks
Whenever you turn up your heat or AC, drafts can waste a lot of your money. Close doors, windows, and curtains appropriately to keep the heat or air in the rooms you need it most. Consider foam rollers or stick-on energy tape under doors or around window frames where the most air leaks in or out. In addition, caulking around exterior doors and windows and installing weather stripping in the chilly seasons can save you a bundle on energy costs!

5. Set up an outdoor compost bin.
Did you know that up to 50% of the trash in your home comes from food waste? All of that organic material goes in the trash and fills up landfills or is even dumped in the ocean! So instead of burdening our trash system with food scraps, set up a small compost station in your back yard. Over time, it will naturally break down organic material and create a safe, health fertilizer for your yard and plants. Studies show that separating food scraps from the trash also increases the amount of recyclable materials that are properly separated.

6. Optimize your water heater
If you don't have one installed already, put an insulated blanket around your hot water heater and also insulate the pipes around the water heater. Insulated blankets cost between $10 and $20, and you can get pipe insulation for less than $1 for six feet. Also consider turning the temperature on the water heater down to 120 degrees. Think about it – we turn the water on super hot and then use cold water to cool it down to the proper warm temperature – what a waste! Setting your water heater to a comfortable 120 degrees. It will save you up to $450 annually in energy bills…and use far less water!

7. Fans
In warm climates like the Central Valley of California, it takes far more energy (and money) to cool your house every year than it does to heat it. So during the scorching summer, instead of cranking up the air conditioning in the whole house, use fans. Ceiling fans are inexpensive to install and can cool down a room for cheap. Attic fans do a great job pushing hot air out of the attic, which accumulates because heat rises, attics have less ventilation, and roofing materials like tiles or shingles collect heat.

 On rooms that face the sun (on the south and west of the house) hang heavy solar-blocking curtains to keep the rooms cool, and consider energy efficient windows to protect against UV rays.

8. Native plants and shade trees.
Pull up your front lawn – which wastes an incredible amount of water for nothing more than an aesthetic. In fact, 30% of all water used in the U.S. goes to lawns and outdoor irrigation! By installing native species and draught-tolerant plants, you’ll have a much more attractive, natural, and garden-like front yard – and help the planet in a huge way. Shade trees plated on the south and west of your house can reduce AC bills by up to 15%, and many cities will come plant them for your for free.

9. Rainwater barrels and proper irrigation.
With California in the throes one of the worst draughts in U.S. history, every drop is precious – even rainwater. So why not put out a few barrels in your yard and next to your house, with gutters and downspout flowing into them. In a typical good night of rain, 300 gallons of water may be dumped on your roof alone, so capture this water and then use it for natural irrigation.

10. Go solar.
There is no doubt –the solar revolution is here, and in dry and hot climates like California, it’s nonsensical NOT to take advantage of the free and abundant sunshine. Thankfully, the cost to install solar panels on your roof or at your home has gone way down in the last several years, as technology and infrastructure has improved. Solar panels pay for themselves pretty quickly and grant homeowners huge tax rebates and incentives. If buying solar panels was too big of an investment, you can even lease them, which costs less than your energy bill every month!

For more information how solar works and availability in your area, click here.

Friday, November 28, 2014

25 Tips to save big money on your next vacation.

Everyone loves going on vacation, but with the average cost for a family around $4,580, it’s hard not to stress about the price tag. However, with some frugal planning there are ways to save hundreds, or even thousands of dollars on your next trip, leaving you relaxed enough to fully enjoy it.
Here are 25 tips that will help you save big money on your next vacation:

1. Many tours, museums, and even restaurants offer discounts for students, teachers, AAA, military, and AARP members, so bring your identification cards and always ask!

2. Stay at a hotel that offers free breakfast. Eating a good meal in the morning will get you ready for a day of sightseeing and save you money on one meal a day.  When you search for hotels on sites like Hotels.com, Booking.com, or Priceline.com, you’ll be able to see which establishments offer complimentary breakfast. However, sometimes they just roll out coffee and cereal and call it breakfast, so drop them an email to ask how elaborate the meal will be.

3. The majority of air travelers want to fly on a Friday or Sunday, so you’ll find the best deals for flights if you fly on a Tuesday, Wednesday, or Saturday. Flights at the crack of dawn, at dinnertime, or red-eye flights are cheapest. Airlines release their new weekly fares on Mondays, so on Tuesday by 3 pm competitors have released their deals, making it the ideal time to search for tickets online. Studies show that the cheapest time to book is 49 days before your departure, or 81 days ahead of time for international flights.

4. Before you book your airline tickets find out if they charge for checked bags. Some airlines allow the first bag for free, like Southwest, while others charge up to $75 or $100 for overweight or international baggage fees. Bring an empty carry-on that you can fill with souvenirs so you won’t get hit with an excess baggage fee on the way back.

5. If your vacation destination is within a few states, consider traveling by train. It’s a great way to see the country, less expensive than flying and Amtrak has modern, comfortable sleeper cars.

6. Searching on travel aggregate sites like Kayak.com, Hotwire.com, and Expedia.com are common place these days, but also utilize reverse searches. If you are flexible with which days you can travel, a lot of cheaper airfares may open up for you. There are several travel search engines that will allow you to search by destination without putting in a hard date.

Adioso.com
Flexible searches based on dates, locations, and connections. 

AirFareWatchDog.com
You can see the top 50 fares for different destinations.

Kayak.com/Explore
Search where you can go anywhere in the world based on a certain budget, continent, or even what activities once you get there.

Also remember that Southwest and Allegient airlines don’t show up on any Internet travel sites, so double check with them directly.

7. Souvenirs, nick nacks, and t-shirts are all wildly overpriced in touristy areas, so take a quick photo of what you like and buy it later via the Internet.

8. Rethink the rental car. A lot of tourists have the attitude where they love renting a car and navigating the city or country they’re in. I’m not one of those – I prefer to sit back and let someone else deal with traffic while I observe, take photos, and watch, but it’s up to you. But people frequently rent a car and then hardly use it.  Walk, utilize your free hotel shuttle, or take public transportation to save money

9. If you do get a rental car, don’t double up on insurance. Rental agencies love selling you additional insurance, but it’s usually unnecessary. Check your homeowners and auto policy ahead of time to see if they cover rental cars. Some credit cards even offer automatic insurance if you pay with their card.

10. Whenever you show up at the airport, hotel, or rental car agency, ask for a free or low cost upgrade. The worst they can say is “no,” but you might be surprised what they can offer!

11. Book a hotel room with a small refrigerator and stockpile water, fruit, and snacks. This will help you to save on impulse purchases at tourist sites, restaurants, or from the expensive minibar.

Speaking of the minibar, if you do eat a $10 candy bar or drink a $14 beer in a moment of weakness, hit the local general store and buy the same items and replace them before you’re charged.

12. When vacationing outside of the U.S., always negotiate prices when buying something on the street or in a shop. Often times you can end up at 60% the first quoted price, but we often forget negotiating is an accepted and encouraged part of many cultures. Just don’t be rude about it and remember that most people abroad make a very humble living.

13. Everything is more expensive by the beach, so remember that the exact same quality meal or hotel can usually be found for 30-50% less a few blocks inland.

14. Exchanging money at the bank will get you the most accurate exchange rate and fewer fees than at your hotel. Never exchange money on the street!

15. If you aren’t going to spend a lot of time in your hotel room, booking a 2 or 3-star hotel will save you a lot of money. Hotels.com makes it easy to see pictures and read reviews so you can get a clean, comfortable room for less than 5-star prices!

16. If you’re bringing the kids on vacation, consider getting a suite, bigger room with two double beds, or have the hotel bring up a foldout cot so everyone can stay together. The savings will be worth it!

17. When traveling abroad, remember to turn off the cell network on your smart phone, where international roaming charges can add up alarmingly fast. Instead, take advantage of free Wi-Fi offered at hotels, restaurants, and tourist sites, using apps like WhatsApp, Viber, and GoogleVoice to make calls, text, and browse the web.

18. Before you book airfare, hotels, theme park tickets, or even restaurant meals, check the companies’ Twitter and Facebook pages because they often post otherwise-unlisted discounts on their social media pages. Also check on their website, which lists unadvertised specials and deals. You can even call their reservations phone number and speak to an agent about getting the best deal available, but then go and book it online to avoid the $25 -$40 booking fee.

19. If you have young children bring your own stroller to amusement parks, where it could cost $15 a day to rent one.

20. Only drink water at restaurants, where a few sodas or iced teas can add $10 or more to each meal.

21. Spend one day away from the expensive attractions. You’re paying for that hotel swimming pool… use it! Spend the day at the beach, zoo, or a nearby museum.

22. Book a hotel that offers free airport pickup and drop off.
Getting to and from the airport can add up in a big way, so check to see if your hotel offers free shuttle service when you book it. But be careful – some hotels list that they have airport shuttles under the ‘amenities’ section or description, but then later try to charge you for it. You can clarify by sending an email to the hotel (along with other questions.)

23. Frequent flyer miles and points:
Always register to earn frequent flyer miles and keep track. Confirm with the booking agent and at the check-in counter to make sure they credited you your miles, and once you get home check to make sure they were registered.

Use a credit card that offers award points of frequent flyer miles. Some of them are great but only give you miles on one airline. I have a Visa Blue Sapphire card that allows me to accumulate points for all flights, hotels, rental cars, or even restaurant meals. I run all of my bills through it but pay it off every month, and the result is that I get at least two free flights every year.

24. Expand your vacation – for the same price!
Most people don’t realize that you can book multi city flights with long layovers – even up to a week. So if you flight goes New York to London to Madrid, you can ask the airline to schedule the “layover” for London for 4 days. That gives you a built in extra vacation destination for the same cost! I’ve found you probably want to call the airline to reserve this kind of flight, as it’s hard or impossible to book online.

25. After you book your flight, call back the next day, within 24 hours, to check if the fare went lower. Most airlines have a policy where you can get a refund or credit if the price goes lower within that timeframe. Also, thanks to the new Department of Transportation rules for airfare bookings, consumers can put fares on hold for up to 24 hours, cancelling or changing the ticket with no penalty.