FINANCE
37. If you bought a home when interest rates were high, consider refinancing at a lower mortgage rate.
38. Check on discounts offered by your insurance company. For cars, most companies offer discounts for air bags, anti-lock brakes and safe drivers. At home, burglar alarms and dead bolts usually earn a discount.
39. Check the financial pages of your newspaper to find the credit cards offering the lowest interest rate.
40. Call around to your local banks for the most attractive interest rates on savings accounts and CDs.
41. Prepare your own tax return. Take an inexpensive or free class at a local community college to learn how.
Next: 42 – 50
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Some of these tips are good, some a bit on the common sense side and some need a little tweaking like
Number 5 – you don't have to wash whites in hot, cold for all clothes works.
Number 10, use energy efficient bulbs because they will save you more than fluorescent lights, not only in energy costs but also because they last for years.
Number 14 – go vegetarian, it saves money, animals and your health which saves money on trips to the doctor (not to mention costly cancer treatments and bypass surgeries!)
Number 51 – don't buy bottled water, invest in a filtration system, even the pitcher varieties sold at major chain stores and use a reusable bottle.
Bottled water is a biggie and should be obvious. I'm trying to cut down on meat too. There are a number of ways not to 'buy in' literally….
Your guidelines are great – if just more people would do them!
Laundry can use a lot of energy if not done wisely. The new front-loading horizontal drum washing machines not only use less water, they then spin the clothes SO FAST that they come out almost dry!
Then just put those 'almost dry' clothes on a stylish laundry drying rack like this one (maybe set up under a ceiling fan?) and you will have saved a ton of energy by not using the clothes dryer at all.
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