Upgrade Your Windows and Save

Replacement WindowsAs much as 30% of your home’s energy energy loss can be due to older single pane windows. If they are drafty and leaky the loss can be even more. So replacing older windows is a project that can easily pay for itself. If you live in a place that requires both heating and cooling new windows can save you money year round. But replacing windows can offer other benefits as well.

In addition to energy saving new technological advances have made replacing windows more advantageous than ever. Some new windows are treated with special coatings to reflect heat reducing your cooling load, some offer things like tinting or UV protection which protects furniture, walls, fabrics, and flooring from fading due to the sun’s UV rays. Most new windows have tilt in features allowing you to avoid using a ladder to clean them. Simply release a latch and the window opens so you can clean both sides while standing comfortably inside. Some new windows have grilles or blinds inside the glass allowing you to clean them quickly and easily without any interference.

New windows rarely need painting. Unlike older wooden sashes new windows are “clad” with vinyl or other material so they don’t require painting.

New windows can refresh the look of your house and increase your property value. Often you can recoup 70% of the cost of the windows when you sell. Add that to your energy savings and window replacement can be a good investment.

However, at first glance new windows can be expensive. But there are several tricks that can help you save on those great new windows. [Continue reading]

Avoid the Car Debt Trap

Just because you are in the market for a car doesn’t mean that you have to drain your bank account, or worse yet, go into years of financial servitude… umm… I mean debt. There are many ways to buy the car that you need at a price that you can afford. Let’s look at a few ways that you can still maintain fiscal sanity while purchasing a vehicle.

Avoid the Car Debt Trap

Car Debt TrapThe best solution to upgrading your wheels is to buy what you can afford to pay cash for. As long as your current car is running you should be saving for another one. So, just because you finally paid off your old car doesn’t mean you can rush out and buy a new one. Rich Dad author Robert T. Kiyosaki says  The Wealthy Buy Assets, the Poor Buy Liabilities, and the Middle Class Buy Liabilities Believing They Are Assets. By his definition, if you think a car is an asset you are wrong are are firmly in the middle-class category. The only thing that makes something an asset is if it pays for itself. So if you drive for Uber then yes your car is an asset otherwise it is a liability. And you should never go into debt to buy a liability. Which is why you should pay cash for your car even if you have to buy a $200 clunker to get back and forth to work. Then you should be saving what you would have spent on car payments. Then in 3 years (or less… since you will be earning interest instead of paying it) you can go out a buy a car for cash. And you will will be out of the car debt trap since you can then start saving for your next car.

When you get ready for your next vehicle… [Continue reading]

Break Free, Reduce Stress and Upgrade Your Lifestyle

 After spending years on a tight budget, struggling to make ends meet, you finally see a light at the end of the tunnel. With time and hard work, you're able to move beyond worrying about paying the bills. In fact, you may be at a point in your life … [Continue reading]

Simple Ways to Cut Your Car Insurance Rates

Everyone knows that it's illegal to drive without car insurance but why? Well, accidents can happen at any time--which, is why they are called accidents. And because by their very nature cars are dangerous and can cause everything from loss of life … [Continue reading]

What You Need to Know About Non-Bank Lending

If you’re looking for a mortgage loan, you may think you have to go through a bank. You would be wrong! In fact, half of all home loans are through non-bank lending – also known as alternative lending. As the name implies, a non-bank lender is not … [Continue reading]

Cut Your Food Budget and Save Big

Saving Money on Food

Feeding a family is a big expense. According to the Bureau of Labor Statistics, the typical American family spends 14% of their budget on food. If you want to eat a nutritious diet or if you have food allergies or medical conditions, groceries will … [Continue reading]

Personal Investing and Stock Advice for Growing Families

When you are young and single, you may (or may not) think you have the money necessary to save and invest on a consistent basis. But no matter how small your income you need to get into the habit of saving. However, once you have a child on the way, … [Continue reading]

Cross Country: Tips For Your Next Move

Many people look forward to moving and relocating to a new city or state. For those who are moving cross country, it can be expensive to transport all of the items to a new location. When you want to save money and reduce your costs, there are a few … [Continue reading]