A major cost to every household is heating bills. Winter time produces an increased financial burden with heating bills jumping. Added to this financial pressure is the rising costs of energy. By installing programmable thermostats, you can effectively control the timing and amount of heat you need.

By using a programmable thermostat, you can select the ideal times to heat your home. You can program your thermostat to reduce temperature in the evening while you sleep, slightly warm the home when you get up in the morning, reduce the heating again while everyone is gone at work and school, and again heat the home comfortably in the early evening.

By being selective with your timing, you warm your home only when needed and you do not waste heat. This application of controlling room temperature can also be applied during the hot season if you have an air conditioner.

Also consider the degree of warm you need to be comfortable. By decreasing your thermostat levels during the warming periods by even 1 degree can greatly reduce overall monthly heating bills.

With your efforts in controlling energy waste, also consider additional heat saving strategies:
*enhancing the amount of insulation in the attic and crawl spaces
*applying new weather stripping, caulking, and sealers around windows, vents, and door frames
*research if your region offers green-home upgrade incentives and discount programs
*receive an analysis of your home’s energy efficiency and locate areas of unnecessary heat loss and energy waste

Make your energy savings automatic with a programmable thermostat. New models are readily available and are low-cost. The savings in heating bills will quickly recover the cost of these new control units. With your automated efforts to save heat, you will also be playing a great role in supporting sustainability and green living.

Saving money can come easy with smart thinking and creative measures. Having small saving strategies in several places adds up quick to large sums of retained cash. One tip for adding another small saving tip to your wealth management plan is stretching out your liquid hand soap.

First tip for saving money on soap is to always look for coupons online and offline. Second tip is to buy in bulk (preferably a wholesale bulk discount centers like Costco). Aim to purchase bulk refill packages as these offer extra savings.

Final tip is to stretch out the savings and quantity of your liquid soap by adding a portion of water to the dispenser each time you refill. Experiment with the proportions of water and avoid over diluting the hand soap. Try about 10-20% water to volume of the dispenser. Eventually, you will find the right consistency that offers sufficient washing effect. When mixing the water and hand soap, avoid vigorous stirring or shaking to prevent the formation of suds.

Often, the concentration of hand soap is far more than actually needed for ample cleaning. By wetting hands first and then dispensing diluted hand soap onto your hands, you will have plenty of soap and suds to wash your hands.

By diluting your hand soap, you save on the number times you need to purchase liquid soap, and you also reduce the consumption of plastic and fossil fuels used to produce and transport this product to the store. Reducing your consumption of liquid soap also reduces the total amount of chemicals going down the drain each time you wash your hands. For those wishing to go that extra ‘green-mile’, consider buying the new range of biodegradable and non-antibacterial liquid soaps. We do not need all the colorings, perfumes, and other fancy agents to get our hands clean.

Saving money on simple things like hand soap offers the opportunity to save money for more meaningful and rewarding ventures in life. Remember, life is no fun when money is hoarded, but life is way more fun when we can get more out of our savings.

Create extra cash in your pocket by simply shedding wasteful energy costs. Many electronic devices and applications are designed to generate energy waste through “stand by” features. These stand by features produce unnecessary energy consumption called vampire power, phantom load, or leaking electricity.

Many electronic products still consume energy even when the power button is turned off. This energy consumption is most commonly recognized with clocks on appliances and stand by lighting features. But even some devices like plugged-in laptop power adapters unknowingly drain money from your pocket.

Some studies suggest that up to 22 percent of energy consumption from appliances is due to stand by waste with this contributing up to 10% of total household electricity costs. Take note of your recent electricity bills and image cutting off 10% from these bills. For many households, this would be a tremendous savings that can be allocated to paying down debt or funding other purposeful ventures.

From an environmentally conscious perspective, some studies suggested that the waste from stand by power sources in large countries like the USA reach into the billions of watts and cost households billions of dollars annually. By eliminating stand by power waste, countries can reduce a substantial portion of pollution produced by energy plants. Less burden would be placed on the taxpayer to fund future energy projects and we would all benefit from less pollutants saturating our air, water and soil.

What are the most common sources of stand by power waste?

*VCRs, DVD players and many audio/sound systems

*microwave ovens and other kitchen appliances

*computers, printers, digital monitors, and other office equipment

*televisions

*air conditioners and other devices with remote controls

*power bars, transformers, and battery charges

*electronics with stand by lights or clocks

Easy tips to reduce leaking electricity waste:

*unplug electrical devices when not in use – turning the power button ‘off’ may still allow the device to drain energy

*avoid leaving recharging devices in the charge mode for extended periods-unplug the chargers once the devices are charged with sufficient energy

*completely shut down electronics like computers, printers, and cell phones at the end of the day

*use switchable power bars or surge protectors with multiple sockets-you can leave multiple devices plugged in, but turn off the power source with one flick of a switch

*consider replacing battery powered devices like phones and razors with basic cord versions-charging cordless devices can be inefficient

*explore the option of timers that can be used to switch off standby power devices-many ‘smart’ devices are on the market making it easier to manage your energy conservation efforts

*avoid electronics with excessive and unnecessary amounts of decorative stand by lighting

We do not need to all be sitting in the dark, huddled around a candle to move towards green sustainable practices. Often the simple and obvious solutions get overlooked and ignored. Flush out all the wasteful energy devices at work and at home. Find the most efficient method of cutting this stand by waste and put this into practice. See the immediate benefits on future bills and take some pride in the benefits you generate for the environment.

The easiest way to save money is to reduce variable costs and is often where people place most of their attention and financial strategizing. However, huge savings can be acquired through tapping into bargains on fixed costs like cable, internet, and phone services for your home and work place.

Take a couple hours in the next week to sit down and review all your fixed bills regardless if you are in fixed contracts or not. Then find 1 to 2 competitors for those current service providers and call them. Talk to them directly and tell these competitors that you are currently with another provider. Ask them what deals they would be willing to offer in order to acquire your business. Also ask them to place you on their contact list to receive future notices of deals and invitations.

With this information in hand, contact your current service provider and tell them that you are interested in switching to a new provider (and state the better deal that the other providers are willing to provide). Mention that you are willing to continue using their services if they provide a comparable or better deal.

Very likely, your service provider will fashion up a discount to retain your business. What if you are in a contract and they state that you w ill need to pay a closing fee? Doesn’t matter. Bargain with them and pretend that you don’t care about paying the closing fee and wish to leave to access better savings elsewhere. They will still likely offer you a discount on your services or upgrade you for free to a better package.

Here is my personal experience with this strategy:
*I have 2 major cable companies in my region. Every 6-8 months, the competing cable company mails me an invitation to switch with a great deal (first month free and then $10/month for 6 months-no contract or minimum obligations). IN the last 2 years, I have not paid more than $10/month for cable as I just continue to bounce from one provider and back to the other.

*I also contacted my internet service (that is combined with my phone line) and told them that I was not happy with the quality of service and that I was thinking of switching to another company. They asked what the other company was offering. I had this information in hand anticipating this question. They immediately upgraded my internet to a faster service and reduced the monthly fees by over $20 for a full year with no contract or commitments.

*Just with these 2 simple strategies, I now save over $40 per month leaving me close to $500 per year in my pocket!

By doing a little research and having some patience with customer services, you can generate some major savings with your cable, internet, and phone services. Be bold and enjoy the hunt for bargains. Important note: be respectful and cordial to the customer services and you will likely get more favorable responses. Finally, they need you more than you need them, so make them work for your money!