A & M Plumbing, LLC
Monday, September 25, 2017

How to Save Money Without Even Trying

  • Fix the holes around the house. Ceilings, floors, windows and walls can invite in cold air in the winter and allow cold air out in the summer. Fix up any and all holes around the house and reap the financial rewards.
     
  • Fix leaky faucets. Over the course of a typical day, leaky faucets can waste a significant amount of water, costing you money each month.
     
  • Do only full loads of laundry. Washing machines are notorious for using up lots of energy. So only do full loads of laundry, and use cold water whenever possible.
     
  • Fill the dish-washer. Dishwashers also use considerable energy each time they’re used. Combat this by filling the dishwasher before using it or even washing smaller, easy-to-clean dishes in the kitchen sink.

7 $$$ Saving Home Maintenance Tips

  1. Turn off the main water valve when leaving home for long periods.
  2. Drain a bucket of water from your water heater every six months.
  3. Periodically clean out dryer vents.
  4. Keep air conditioner drain lines clear.
  5. Check for cracked or missing caulk around the base of your toilet, bathtub and sink.
  6. Steam cleaning more than twice a year can damage your carpet.
  7. Replace hoses on the clothes washer, refrigerator icemaker and dishwasher that show signs of leaking.

Insure Those Valuables

Think filing a claim with your homeowner’s insurance provider will fully replace your missing goods? Most policies have limited coverage on certain items, and not all policies cover accidental loss. Get coverage by following these simple instructions:
 
  • Select the item to be insured.
  • Order an appraisal by going to findanappraiser.org for a nearby location.
  • Request a personal property floater from your homeowner’s insurance provider. This covers appraised items if they’re damaged or lost.
  • Store all receipts and appraisals in a fireproof box.
  • If your item is stolen, lost or destroyed, you can file a claim on it.
  • To ensure that you’re reimbursed for the full value, file your claim as soon as possible.

Prepaid Debit Card vs. Checking Account

Free checking accounts were once one of the best deals around. Now nearly two-thirds of them carry an average monthly fee of $12. And some are looking to prepaid debit cards as cheaper alternatives.

The appeal’s understandable. With prepaid debit cards, your funds are already loaded on the card. You use the card as you would a debit or a credit card to make purchases. You spend only what you have available.

The downside: Some prepaid cards charge $10/month, and charge an additional fee each time you load money onto the card or use an ATM – be aware or beware.

Prepaid cards also tend to offer fewer consumer protections. Funds loaded onto a card may not be insured by the FDIC, unlike money in the bank, and if you lose your card, you may lose your money. That can make the checking account fee seem like a better deal after all. Cut down on credit card usage, and you could see more money in your savings.
 

Money-Saving Tips