I was just reading an article announcing the results of Earth Hour:

"Just before 9 o’clock, the meter at the Toronto Hydro control centre hit a low of 2,738 megawatts - 5 per cent below the demand an hour earlier and about 8.7 per cent less than a typical late March Saturday night."

"In Sydney, the event appeared to be at least as popular as last year, when 2.2 million people took part and electricity consumption fell by 10.2 per cent."

"Australian energy officials said electricity consumption was down by 1,000 megawatts across the country, the equivalent of shutting down two large generating stations."

Did we learn anything? I hope so, turn out those lights and cut down on your personal hydro and energy bill. Anytime we are home at night watching tv we have one light on in the house. It's small light over the stove so we can see our way around the kitchen and to the bathroom. There is no need to have a million lights on when you aren't entertaining and just hanging around the house. Why pay to light rooms that you are not in? When you go to the movies you are in the dark so why not turn out the lights when watching movies at home? There's a savings to be had, turn out your lights and save on your energy bill.

Source: http://www.thestar.com/article/407246 

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How much money do you think you spend each month or each year paying off your bad credit card debt? You would be surprised. I was reading recently that by making the minimum payments or less that then minimum it can take you seven years to pay off two thousand dollars. That's staggering. That money that you are using paying off the interest could be better used.

If you want to save money on your credit card debt the first thing you should be doing is making sure you are paying more than your monthly minimum payment. If you are not making more than the minimum you are just paying down the interest and not lowering the principle. You will never get the debt payed off doing this.

Another tip is to utilize a balance transfer. There area million offers out there for credit cards. It is very competitive and they want your business. If you search hard enough on the internet you will find offers for zero interest rate cards. Just make sure that interest rate at the end of the free term isn't higher than you existing rate, get the new card and use it to pay off you existing high interest rate card. Why pay interest when you don't have to.

Call your credit card company and try to negotiate a better rate. If your credit isn't bad you can always try and talk them into giving you a fairer interest rate. Just tell them that you are thinking about getting another card with a better rate.

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