It’s Winter Solstice – a good time to take a fresh look at your bills to see if you can reduce them. For example, try these tips to cut your power usage and lower your electricity bills.
Switch to LED bulbs. About four times more energy efficient than incandescent bulbs, LEDs last for years. The “lumens” number indicates the amount of light emitted; use this to compare bulbs.
Install a programmable thermostat. With this device, you can automatically adjust the temperature to reflect where you are in your day – busy at home, away at work, asleep, etc. It keeps your home comfortable when you’re there and reduces energy use when you’re out.
Unplug unused electrical devices. All electronic devices sip small
Getting ready to buy a house or just thinking about it? Where to buy, what to buy, and how you'll afford it are probably top of mind. But if you're not also concentrating on your credit score - and by concentrating on, we mean actively trying to raise your scores as much as possible - you're not looking at the whole home buying picture.
Not only can does your credit score factor greatly into what you'll pay for your house, it can keep you from being able to buy one, period. "Your credit history determines what loans you will qualify for and the interest rate you will pay," said eloan. "A credit score provides an easy way for lenders to numerically judge your credit at a point in time. It gauges how likely you are to repay your loan in a timely