Ways to Keep Your Utility Bills in Check

 

Utility bills are often much higher than they should be. By making some simple changes, you can keep your house comfortable and significantly reduce your monthly energy bills.

Lower Heating Costs
Heating and cooling are responsible for a large chunk of utility bills. In the winter, you can save money by lowering the temperature on your thermostat. Even a change of two or three degrees can result in substantial savings over the course of a year. You can install a programmable thermostat to automatically lower the temperature when the house is unoccupied and raise it to the temperature your family prefers shortly before everyone gets home.

If your house has windows that face south, opening the blinds or curtains during the day can allow sunlight to naturally heat your home so that you can rely less on your heating system.

Drafts make the heating system work harder and raise utility bills. You can inexpensively seal the areas around windows and block the spaces under doors to keep cold air out. If your windows are old and inefficient, replacing them can consistently save you money over many years.

Change the Way You Use Appliances
LED lightbulbs are much more energy-efficient than traditional bulbs. You will need to pay more up front, but LED bulbs can last years longer than conventional bulbs and cost less to operate. This can result in significant savings over time.

Heating water can contribute to high utility bills, especially if you have a large family. Installing a showerhead that conserves hot water and lowering the temperature on your water heater can easily save you money.

Ask Your Utility Company for Guidance
Utility companies offer a variety of tips and programs to help homeowners lower their energy bills. You may find advice on how to make your home more energy efficient, how to lower your energy usage without interfering with your lifestyle, and how to choose energy-efficient appliances.

Some utility companies also offer free or low-cost energy audits to help homeowners identify where they are losing or wasting energy so that they can make changes and save money. Participating in these programs and investing in energy-efficient appliances may make you eligible for further savings through rebates.

Your utility company might charge more for energy during peak hours than during times when demand is lower. Find out if your utility company charges more at specific times and look for ways to reduce your family’s energy consumption during peak hours.

The company might allow you to receive energy from another provider that offers a lower rate. You would still receive the same service you currently do, but your energy would come from a different source, allowing you yo save money each month without making any other significant changes.

Try a Variety of Solutions
If you dread opening your utility bill each month, take action to save money. With some strategic changes, you can lower your costs while keeping your home comfortable and relaxing.

 

A garage is an excellent place for storage, but things are often put there and forgotten. This can result in a disorganized mess that makes it difficult to find room for vehicles and other important items. If your garage could use some organization, you need a strategy.

Get Help and Make a Plan
First, realize that organizing a garage is a task that will take a lot of time and effort. Set aside at least two consecutive days and find people to help you. Dividing the work among several people and multiple days will make it more manageable and less stressful, which means you will be more likely to get it done.

When organizing your garage, you need a plan. You can work out the details and make changes along the way, but having a general idea of what should go where and which items you can get rid of will help you avoid feeling frustrated and overwhelmed.

Look around and take stock of what is in the garage. Make a list of categories that you can use to organize items. You will want separate areas for tools, car care equipment, paint, seasonal items, sports equipment and other belongings. If any items can be safely and conveniently stored inside the house, that will make it easier to organize the rest of your possessions in the garage.

Decide where to put each category of items based on how often you use them. Frequently used tools should be stored in a toolbox or hung on a wall. Lawn and garden equipment should be easily accessible. Seasonal items can be put in an out-of-the-way place where you can still get to them without too much trouble.

If the garage does not have shelves or cabinets, installing some can make organizing much easier. You can purchase shelves and cabinets at a home improvement store and install them yourself or assign the job to one of your helpers.

In the process of organizing the garage, you will likely come across things that are broken or that you no longer use. Either throw them out or donate them. If you have a lot of trash, consider renting a dumpster. Designate an area for items to donate.

Make Sure Everyone Is on the Same Page
Communication is vital when working with a team on a large project such as organizing a garage. Before you get started, discuss the plan. Listen to others’ suggestions, make any changes you consider reasonable, then settle on a final plan and be sure that everyone understands it. Making signs to indicate where various types of items should go can help the group avoid confusion, arguments and wasted time.

Get Started
Looking at a messy garage every day can be frustrating and overwhelming. The problem won’t take care of itself, so the best thing is to come up with a plan and tackle it head-on. Get some friends or family members to help you make the process more manageable.

How to Organize Your Kitchen Cabinets

 

The kitchen is one of the busiest rooms in any household. It’s where meals are cooked and families eat, and also a place to play fun games or just talk.

The foodie craze is changing the way we eat and the way we cook. Amateur chefs get ideas from cooking shows and then visit farmers markets to find the best possible ingredients for the delicious meals they put together. And homebuyers want the perfect kitchen where they can make their culinary creations. While a complete revamp of your kitchen isn’t necessarily practical, one easy step is to clear out the cabinets and pantry.

Organize Your Pots and Pans. You should dedicate a cabinet or two to your pots and pans, and start the process by emptying out the cabinets and dusting them. Then, put the cookware back, neatly and organized. Place covers on pots and arrange them by size. This is also a good opportunity to get rid of items you no longer use and to designate a cabinet for special cooking items like slow cookers, bread makers, food processors, blenders, etc.

Dishes and Glasses. If your cabinets are overrun with dishes, bowls, cups and glasses, clear out some clutter. Set aside older things you no longer use and, if possible, donate them to a local soup kitchen or senior center. Keep whatever you’ll need to use while selling your home and place everything back neatly. Try not to leave any cabinets completely empty, but rather, send the message to buyers that your kitchen has enough room for all their cooking supplies.

In the Pantry. This is commonly a space that has a lot of potential for improved organization. Go through your pantry and toss ingredients and packages with expiration dates that have passed or that you don’t expect to use. Then clear everything else out, clean the shelves of crumbs and spilled foods, and replace things neatly. Put canned goods like soups, sauces and vegetables together, and cereal boxes on one level with boxed goods on another level.

Under the Sink. Here’s a space that can get unorganized and messy very easily. Clear everything out and clean this space thoroughly. This is where people commonly keep cleaning ingredients, dishwasher detergent, sponges and cleaning supplies. Get rid of items you don’t use (be sure to dispose of cleaners in an environmentally safe way) and replace them in an organized manner.

Organizing the storage areas in your kitchen will improve your home’s visual appeal while allowing potential buyers to imagine themselves preparing delicious meals in the space.

Eco-Friendly Tips With Low Costs and High Savings

 

Most homeowners have weather-stripped their doors to maximize climate control, and have switched out traditional incandescent light bulbs with eco-friendly CFL models. Short of installing double paned windows or making other costly home improvements, what more can you do to make your home “greener” without emptying your wallet?

Change filters often. Change air conditioning filters monthly to keep the system running at peak performance.

Dry bigger loads. Your dryer has more capacity than you think. Dry two or more loads at once so the dryer cools down and heats up less frequently. And clean out the lint filter often.

Check the fridge seal. Feel for cold air around your closed refrigerator door to be sure the seal is in good condition.

Adjust stove top cooking. Avoid wasting heat by matching up your pot/pan size to the correct burner.

Unplug battery chargers. Many chargers continue to draw power even when not connected to a device, so unplug yours after charging.

Use a laptop. They use less energy than your desktop computer, so use them instead when you can.

Reduce hot water consumption. Install low-flow, aerating faucets and shower heads. Select a shower head with a flow rate of less than 2.5 gallons per minute.

Choose drought-tolerant plants. Any number of plants and ground covers can add greenery to a yard without gulping lots of water – including clover, certain breeds of grass like Bermuda and Zoysia, and edible plants like herbs and strawberries. (Note: you may want to put in some type of wood or brick border to contain groundcovers or plants in the area you want them to stay in.)

Pros and Cons of Smart Appliances

 

Smart appliances can make life easier and more convenient. Since the technology is relatively new, many manufacturers are still working out problems and resolving glitches. Before you purchase a smart appliance, it’s important to understand what they have to offer and to be aware of potential pitfalls.

Popular Smart Appliances
A smart refrigerator can make grocery shopping easier. A camera allows you to peek inside the fridge even if you aren’t home, and you can keep a running list of what you need. You can also control the temperature and humidity to keep your food fresh as long as possible.

Smart refrigerators are much more expensive than traditional ones, and they are more expensive to repair. There is also the risk of viruses. If you have linked your email and social media accounts to the smart refrigerator, they could be at risk.

A smart dishwasher can help you get sparkling dishes every time. It can tell you if you need more detergent and can let you know when the cycle is done so you don’t have to get up and check. It can also help you save energy and water and notify you if the dishwasher is leaking.

A smart dishwasher is more expensive than a traditional one in terms of both purchase price and repair costs. You might be able to purchase an extended warranty for an additional cost.

Smart washers and dryers can make doing laundry a breeze. You can control the cycle from anywhere in your house and be notified when a load is done. You can even figure out which time of day is the best in terms of energy efficiency.

Companies that make smart washers and dryers still have some bugs to work out, and updates are not always provided automatically if the appliance was not purchased recently. That means you might be on the hook for updates and repairs.

Things to Consider
If you have several smart appliances, they can all be controlled from your phone. That can make it easy to monitor and control things at home no matter where you are.

With any type of smart appliance, hacking is a serious concern. Although safety measures are in place, they vary from manufacturer to manufacturer, and hackers are always looking for ways around them. You can protect yourself by using a secure internet connection, changing your passwords frequently and promptly installing updates.

Sometimes adjusting to smart appliances poses a challenge. If you aren’t tech savvy, you might find it confusing and overwhelming at first. The person who installs the smart appliances should thoroughly explain how they work, and you should be able to call tech support for help.

Are Smart Appliances Right for You?
Smart appliances can make life much easier, but they carry some risks. Security features need to be fine-tuned, but there are ways that you can protect yourself until they are perfected. You may decide that smart appliances are a worthwhile investment that can greatly improve your life.

10 Painless Changes for a Greener Home

 

Making eco-friendly changes in the way we live may be easier than you think. Real Simple Magazine lists 10 little tips that can go a long way toward living a “greener” lifestyle:

Start with household cleaners. Switch to plant-based products (read the list of ingredients) that reduce air pollution, minimizing exposure to asthma and allergy triggers as well as chemicals that can be harmful to your health.

Try meatless Mondays. Preparing one meat-free meal per week (for a family of four) has the same impact on the environment as driving a hybrid car. (That’s because of the greenhouse gases produced in raising livestock.)

Buy sustainably-raised meat. Look for labels like free-range and organic, as well as no-hormone and no-antibiotic, which indicate the animal was given ample room to roam and wasn’t treated with hormones.

Upgrade your home’s insulation. Adding insulation to prevent leaky ducts, walls, windows and doors can improve your home’s energy draw by 20 – 30 percent. If that isn’t in your budget, try thermal shades, which block the sun in the summer and retain heat in the winter.

Leave your shoes at the door. Removing your shoes at the door prevents car exhaust, chemicals and pesticides from being tracked all over your home.

Microwave glass only. Heating plastics can cause hormone-disrupting compounds that leach into your food. Plastics labeled “microwave-safe” can withstand a higher temperature, but they are no safer. When microwaving, opt for glass or microwave-safe ceramics only.

Donate, don’t dump. By some landfill estimates, for every item of clothing you donate for re-use, carbon emissions are reduced by 27 pounds.

Choose safer cookware. The materials you cook with have an impact on food. The safest options are cast iron, enamel-coated cast iron and stainless steel. Non-stick pans are problematic if any scraped-off coating gets into your food.

Use fragrance-free products. Many fragrances contain chemicals believed to disrupt hormones, which can be harmful to the ecosystem when washed down the drain. If you like scented soaps, cleaning products or cosmetics, read labels to find those made with essential oils.

Reduce use of pesticides. Control pests indoors by keeping your kitchen crumb-free and sealing any cracks in the walls or foundation. If you do require more pest control, reach for green alternatives. Again, read the labels.

7 Simple Gardening Skills Anyone Can Master

 

Puttering in the garden is an age-old hobby pursued for several reasons; it can keep you fit, provide food and flowers, and help you live in a more beautiful world. Experienced gardeners say mastering a few simple skills can get you off to a productive start to the home garden of your dreams:

Know your soil. Before you plant, it’s important to know the kind of plants your soil will best support. If you’re new to the neighborhood, ask a neighbor or local garden shop if the soil is alkaline, acidic or neutral.  Or test the pH yourself with a commercial test probe you can buy. Once you know the soil’s pH content, local gardeners or an online search will help you choose the food and flowering plants that will thrive in that environment.  

Seed or plant starting. Many gardeners say planting from seed has two big advantages; there are more varieties available as seeds, and it’s far more economical. It’s fairly easy to save seeds, as well, from one season to the next. A good gardening book can show you how. 

Container gardening. If space is limited, or your soil is less than welcoming, it’s easy to grow vast amounts of food or flowers in containers—and not necessarily in expensive terra cotta pots. Use plastic storage tubs, old buckets, whatever.

Cuttings and transplants. Succulents and a host of other plants are perfect for cutting, which you can re-plant to expand your landscape and/or pot in attractive little containers to give away as gifts. A gardening book will show you the best candidates for cutting and transplanting.

Watering. Plants die from under-watering, but they can die from too much water. Local rainfall will impact your watering schedule and learning proper watering techniques will make you a more successful gardener.

Pruning. While tree pruning is best left to professionals, it’s easy to prune your own roses and other small plants, removing dead or dying parts damaged by insects or weather. Pruning regularly keeps your plants producing and looking healthy.

Tool maintenance. It’s useless to save by producing tomatoes and such if you spend a fortune replacing garden tools. Choose good rust-proof tools, clean them after each use and store them in a dry place and you will have tools that last a lifetime.

Did You Know It Only Costs a Few Dollars for Someone to Buy Your Identity Online?

 

Your online identity is probably worth a lot to you. To thieves, not so much.

For $1,170, a thief can illegally buy the entirety of the average person’s stolen personal information on the dark web, according to a review of fraud-related listings by the VPN review site TOP10VPN. That’s relatively cheap, considering that it includes hundreds of logins, passwords, credit card numbers and other identifying information.

In what it calls the Dark Web Market Price Index, the site details how would-be scammers could spend more on going out to lunch than on getting hacked account information such as from Grubhub ($15), Walmart ($12) or Netflix ($8).

The VPN site’s security experts reviewed tens of thousands of listings on three of the most popular dark web markets. These are encrypted websites that can only be reached using the Tor browser. Once there, criminals can anonymously sell stolen personal information and other illegal things such as illicit drugs and weapons.

Credit Cards Wanted Most
Stolen credit card numbers can be used immediately to buy something online, making them some of the most valuable hacked items on the list.

Credit cards sell for an average of $500, the same price as bank logins. Some hacked logins come with a credit card added, such as a Costco login with a credit card for only $5. A Pizza Hut login for ordering pizzas online is only $6 and includes a credit card that can then be used to buy much more than pizza.

Selling prices for credit cards tend to be 10 percent of the available credit balance, researchers found. PayPal accounts have much higher demand, asking double that of credit cards. Verified PayPal accounts with high balances of $10,000 that come with an email address and password cost $2,000.

Bundles of “full” identifying information, called “Fullz,” cost as much as $515 for guaranteed access to a Wells Fargo online account. They can include an individual’s name, billing address, mother’s maiden name, Social Security Number, date of birth and other personal data.

Setting up lines of credit in someone else’s name is the main tactic of cybercriminals. Along with credit card and personal information, they’ll buy digital proof of identity such as passport scans ($16) or a real passport ($2), selfies and utility bills. For $52, a driver’s license scan, Social Security Number and utility bill are included as a package.

Online Shopping
For less than $10, hacked online shopping accounts are sold, providing many fraud opportunities. If you store payment details on Amazon, Best Buy and other online stores, hackers can order items online and sell them for cash. A hacked Amazon account is $6 and a Best Buy account is $15. For a Best Buy login with instant delivery, it’s only $9.

Hacked eBay accounts for $15 allow criminals to dupe buyers into sending them money for fake listings or to buy expensive goods with the account owner’s funds to intercept and sell later.

Unique Home Accents to Make Your Home More Fun

 

Are you looking for out-of-the-box decorating ideas for your space? Below are a handful of interesting accent ideas to up the creativity of your interior design.

Hanging accent lights. Caged, bubbled, modern, antique—there are myriad styles for hanging accent lights, which can be clustered, paired or used solo to fill up an empty corner or decorate a blank wall.

Mantels. Who says a mantel should only sit above a fireplace? You can easily install a freestanding mantel to rest photos, art or your favorite books. Another trick? If your walls are dark, paint your mantel to match and your items will suddenly be floating.

Dips. Dipped frames, art or even doors are all the rage right now. Imagine a series of white picture frames with their bottom dipped in gold. The best part? You can DIY these in a couple of hours; all you need is your item for dipping and your favorite shade of paint.

Painted fireplace. Whether your fireplace is no longer active, or its only active for a few months a year, painting the inside a fun pop of color can add life to your space. Think a bright blue, merry orange or buttery yellow.

Vertical garden art. That vertical garden is no longer reserved for your back patio. If you have a blank wall, hang a grid-style vertical garden and decorate it with cool succulents, your favorite herbs or a climbing vine.

Paint Yourself Happy: 5 Colors That Bring Joy

 

Studies have shown that looking at certain colors can impact your mood, so if you’re looking to brighten your days, look at the walls.

Orange
This color boosts social connection, so paint a wall in your living room or kitchen a vivid orange and enjoy deeper, longer, joyous conversations.

Yellow
This sunny color is one of the most obvious mood brighteners, and there are many shades of yellow soft enough for an entire room.

Green
This earthy tone is a stress reliever. Roll it onto the wall across from your bed and smile your way into sleep.

Violet
This royal hue fosters creativity and intuition. Add it to your home office for more satisfaction in your work life.

Fuchsia
While this color is a tad bright for most rooms, fuchsia accent walls can still splash around enough of the color to make an impact.

The Pros and Cons of Heated Flooring

 

While you might be considering adding heated flooring to your new home, there are a lot of questions to ask before you put your money into this luxury feature. If you’re looking for another level of comfort in your home, it’s a great option—but it does come with a hefty price tag. Here’s what you need to know:

Pros 

• Durable and reliable. This method of heating lasts longer than a regular home furnace—with proper care it can last up to 35 years.

• Comfortable. There’s no better feeling than a warm floor on a cold day, especially when you first get out of the shower. No one enjoys stepping on cold tile, so bathrooms are particularly popular options for heated flooring.

• Saves you money in the long term. Since radiant floor heating warms from the floor up, you’ll be able to set your thermostat at a lower temperature to feel just as warm.

• Quiet. Because it does not require a blower, there is no extra noise produced when running it.

• Distributes heat evenly and consistently throughout each room.

• Better for allergy sufferers, since traditional central air heating pushes dust, dirt and pollen through the vents and around your home.

• Customizable. Electric floor heating allows for the option of only having heated flooring in certain rooms—so you can customize where you want it.

• Hidden, so your home has more space and less unattractive radiators.

• Versatile. Can be installed under any flooring.

• Profitable. Increases the value of your home.

Cons

• Costly. Installation will cost more than replacing a furnace, and hydronic systems are more expensive than electric.

• Not ideal for older homes as you will have to tear out existing flooring in order to install them. Wait until it’s time for a remodel before considering it.

• Repairs are costly. Because the system is under the floor, this also means repairs to the system are more costly as well. Since heating elements are out of sight, it can be hard to find the problem area.

• Slower to warm up the house than traditional heating. Especially true for water heating, which can take a few hours to circulate enough hot water to warm the home (but since they retain heat well, this allows for use in off peak hours, saving your utility bills).