I wasn't aware of this until recently but your hot water bill can account at least 15% of your home heating bill. This of course can different depending on what type of hot water heater you have, how old it is and what type of heating you have. Electric hot water heaters being the most costly. It's hard to say because of those factors how much you can save by adding a hot water blanket but obviously for a minimal ... Read More

Saving money isn't something that is going to happen to your overnight. It's a long process that is going to take you some time. People are so hungry to save money it's like they need to take some appetite suppressants to slow down. You have to start making small changes to your way of life or small changes in your spending habits which will begin to save you money over time. For example, make a change by replacing your lightbulbs ... Read More

We were off doing a bit of shopping over the weekend for a few home related items. I could use a lawnmower but will probably just get my old one fixed up. It needs a bit of work but there is no sense in spending a few hundred bucks when I get through a season for $40 in repairs. When we were out at a few of the box stores I noticed that many of them still  had their outdoor ... Read More

A friend at work is planning an Alaskan cruise this fall. Not a cheap adventure so he wants to make sure that he does it right. Planning out a vacation as large as this takes alot of homework on your behalf because it's a big expense and there are so many different cruises to choose from. Remember, with vacations you get what you pay for. So that last thing you want to do is cheap out but your also don't ... Read More

I have an occasion coming up where jewelry would be the perfect gift so I have started to shop around to compare prices through many different sources. I was thinking of a heart pendant necklace. It's something I don't buy often so of course I know nothing of prices and quality. The biggest mistake I could make would be to rush out and buy the first thing I see. I don't know why people do this. Maybe because they like the first thing they see ... Read More

Last week we went out for an early game of golf. It's not our normal course but one that opens early every year and they have indoor golf on all winter that we take in a few times. They kind of know who we are in the proshop. We struck up a conversation with one of the guys working in the proshop and he gave us a bunch of gift card type coupons for our next round of golf there. ... Read More

I have blogged alot about how coupons can save you money. They are no brainers. Retailers are desperate to get you to buy their products and will do anything to get your spending dollar. People I know still don't seem to get that coupons are free money. Let's say you are shopping for something like groceries, medications like Lipovox or electronics and I told you that you could save $10. You would do it right? Then start clipping coupons. You have ... Read More

I was recently reading an article about how to save money these days when shopping. Of course they went over the usual things like clipping coupons but there was a spin that reminded me of when I was out shopping recently. Most people working in retail are not getting rich of working there and really could care less at what price you are getting the item for. Really. I was hooked on framing some autographed pictures awhile back and ... Read More

I have a friend that was facing some pretty substantial debt problems recently. He came into some money and I was offering some advice on what he should do to get rid of his debt and he was in denial about how serious his problem was. If you went in for tests and a professional told you that you were diagnosed with a cancer like mesothelioma would you not take that seriously? Now I am not saying I am a ... Read More

One of your biggest expenses over your life time is probably going to be medical expenses. You might not think that now but flash ahead to your twilight years and do some math on the cost of medications. You can take some practical steps to cutting down your medical costs over your lifetime. Prevention is always better than any cure. If you are more active and leading a healthy lifestyle you are obvously going to be spending less money ... Read More

Saving money doesn't have to be a monumental task. You can easily save some money each month by following these five simple suggestions. Reduce or eliminate magazines.  If you are a typical American family, your mailbox gets its regular fill of magazines: business, sports, home and garden magazines.  Can you imagine how much each of these subscriptions cost?  My wife subscribes to a Gossip magazine and it's over $100 for x number of issues. We are cancelling and she can read about ... Read More