Showing posts with label money saving tips. Show all posts
Showing posts with label money saving tips. Show all posts

Tuesday, December 19, 2023

Insulating Windows and Doors: Enhancing Efficiency and Reducing Drafts


Insulating windows and doors is a crucial aspect of home maintenance that often goes overlooked. However, it plays a significant role in maintaining indoor temperature, enhancing energy efficiency, and reducing troublesome drafts. 

A well-insulated home can provide a comfortable living environment year-round and lead to substantial energy bill savings. This guide will explore various methods of insulating windows and doors and their pros and cons to help you make an informed decision for your home. 

Why Insulation is Important

Insulation acts as a barrier between the inside and outside of your home, preventing heat flow from escaping or entering. In simpler terms, it keeps unwanted cold air out during winter and retains cool air during summer. This process helps maintain an ideal indoor temperature without overworking your heating or cooling systems.

Additionally, proper insulation also reduces drafts, which are caused by air leaks around windows and doors. Drafts can create an uncomfortable living space and significantly increase energy bills as your heating or cooling systems work harder to compensate for the lost heat or cool air.

Therefore, insulating your windows and doors is crucial in enhancing comfort, reducing energy consumption, and lowering utility costs.

Methods of Insulation

There are various methods of insulating windows and doors, each with advantages and disadvantages. Let's take a look at some of the most common ones:

Weatherstripping

Weatherstripping involves sealing gaps between window or door frames to prevent air leaks. It’s an affordable and easy-to-install option for temporary insulation. However, it may not be as effective in extreme weather conditions and must be replaced frequently.

Caulking

Caulking is another method of sealing gaps around windows and doors using a waterproof sealant. It provides a more permanent solution than weatherstripping but can also be time-consuming and require reapplication if it cracks or shrinks over time.

Insulated Curtains or Shades

Insulated curtains or shades are an effective option for insulating windows. They act as a barrier between the window and indoor space, preventing heat loss or gain. However, they may not be as aesthetically pleasing and can be costly to install.

Foam Tape

Foam tape is an inexpensive option that involves placing adhesive foam strips around the edges of windows or doors. It provides a temporary solution to insulate against drafts but may not be as effective in extreme weather conditions and can leave a residue when removed.

Window Insulation Film

Window insulation film is a clear plastic sheet applied to the windows' inside using double-sided tape. It creates an air pocket between the window and the film, acting as a barrier against heat transfer. 

While it's relatively inexpensive and easy to install, it may not be as durable and can reduce visibility through the window. Learn more about this by talking to an insulation contractor in your city.

Insulated Window or Door Inserts

Insulated window or door inserts are custom-made panels that fit inside the existing frames. They provide a more permanent and efficient solution but can be costly and require professional installation.

Additional Tips to Insulate Doors and Windows

Using Draft Stoppers

Draft stoppers, or door snakes, are simple yet effective tools to prevent drafts from entering through the gaps under doors. They are typically filled with insulating materials and can be easily placed or removed. You can make your draft stopper using old socks or towels for a cost-effective solution.

Regular Maintenance and Inspection

Regular maintenance and inspection can go a long way in maintaining the efficiency of your window and door insulation. Check for any visible cracks, gaps, or damages and repair them promptly. If weatherstripping or caulking is worn out or damaged, replace it immediately.

Use of Thermal or Blackout Curtains

Traditional curtains or blinds can be replaced with thermal or blackout curtains. These curtains have a special lining that insulates against heat loss in the winter and heat gain in the summer. They also have the added benefit of blocking out light, making them ideal for bedrooms or rooms with TVs or computer screens.

Double Glazing 

Consider double glazing if your budget allows. This involves having two panes of glass with an insulating gap in between. This gap can be filled with an inert gas, which is a poor conductor of heat, enhancing the insulation properties of the windows.

Use of Window Quilts

Window quilts are thick, insulating blankets that can be hung over windows during cold weather. They provide an additional layer of insulation, helping to prevent heat loss. While not the most aesthetically pleasing option, they can be very effective, particularly for older, drafty windows. 

Conclusion

Insulating windows and doors is important to maintaining a comfortable and energy-efficient home. With various methods available, it's essential to consider factors such as cost, effectiveness, and durability when choosing the right insulation for your home. 

Regular maintenance and additional tools like draft stoppers can help keep your home well-insulated. By taking these steps, you can reduce drafts and energy consumption, leading to lower utility bills and a more comfortable living space.



A collab with ifoam.com

Monday, November 20, 2023

10 Things I No Longer Purchase | Money Saving Tips

Today, I wanted to share with you 10 items and/or services that I no longer purchase. Some have been conscious decisions for one reason or another and others were strictly done to save some money. All were fairly simple to give up and collectively, they ended up saving us heaps of cash! So let's have a look at the 10 items that I no longer purchase. 


1. Magazines

I stopped buying magazines and magazine subscriptions over a decade ago. It felt like such a waste, not only financially, but environmentally too. It was a pretty easy habit to break and I rarely miss it.

2. Take Out Coffee/ Tea

Here's another one that I quit over a decade ago. I can make my own coffee and tea just as well, if not better than take-out coffee shops. And, it costs me pennies to make it myself.  The savings on this one was huge in the long run!

3 + 4. Bottled Water + Soda 

This is yet another one that I quit buying many moons ago. Instead of bottled water, I use a refillable bottle and fill it with filtered water. Soda took some willpower to kick the habit, but once you break it, you won't miss it. I replaced it by drinking more water and adding lemon, some fruit, homemade ìced tea, and even those flavoured water enhancers. My absolute favourite is Crystal Light's Strawberry Lemonbabe, but Mio has some good ones too. They are very refreshing and a healthier alternative to soda or diet soda. You'll not only be helping your pocketbook and health, but the environment, too.

5. CD/DVDs 

I honestly don't remember the last time that I purchased a DVD or CD! Everything can be found online these days. This not only saves money but helps reduce clutter.

6. Backup Items (that aren't necessities)

I used to be so guilty of buying backups of products that I tried and loved. After years of doing this, I realized that most of the time the products would either expire by the time that I got to them, or I would have found other new favourites. I still purchase backups of necessities when they are on sale, Items like laundry detergent and similar necessities get a pass, so I will stock up on these when on sale.

7. Manicures and Pedicures

This one is another big money saver! The time and money it costs to go to get a mani and/ or pedi is a lot these days. There are so many great nail formulas and fun DIY nail art products that you can do your own mani and pedi at home for a fraction of the cost.

8. Pet Toys 

I used to buy cat toys all the time. In fact, we kept having to donate them because we would collect so many and our cat didn't even have any interest in them. The ironic thing is that our cats have always had an interest in the "toys" that are free
Items like a twist tie, hair tie, toilet paper roll, and tin foil crinkled into a ball or just a piece of paper crinkled up into a ball. It's amazing how your pets can be entertained for hours with some little hair elastic, yet ignore the brand-new expensive toys.

9. Knick knacks + Souvenirs

I have to admit that I still struggle with this one a bit. Although I have stopped purchasing Knick knacks and souvenirs, I still get the urge to purchase them (hello dollar store). When this happens, I remind myself that we don't need more clutter or knick-knacks lying around the house. Unless it is something über-special, it's a no-buy for me.

10. Netflix / Streaming Services 

I am not against having a streaming service. They are usually a fun and inexpensive form of entertainment. But, how many streaming services do you really need? I asked myself this very question and decided that we only needed one. We kept Amazon Prime, solely because it had the most bang for our buck since it includes free Prime shipping as well as many other features like Prime Video and Prime music etc. We also purchased Amazon's affordable Fire TV Stick which we absolutely love! You can load it up with all kinds of apps and stream live TV, movies, shows and so much more. Once we cancelled our Netflix, we never looked back. So if you want to save a few bucks, see what streaming service(s) you can let go of and cut the cord. After all, if you regret it, which i doubt you will, you can always sign up again. 


I hope my no-buy list gave you some ideas on areas where you can start your own no-buy list so that you can start to save yourself some money and time, help the environment, and/or cut down on unnecessary clutter. And if you decide to purchase something now and then that's on your no-buy list, it's all good, rules were made to be broken, just be sure to get back to your no-buy list.


                                                        


This post contains affiliate links.  We may earn a commission if you use them. Thank you for your support.  #founditonamazon 

Tuesday, January 18, 2022

14 Hacks To Reduce Debt and Avoid New Debt


Debt. It's a four-letter word that we all want to avoid, for the most part. 

I say for the most part because there is both good debt and bad debt. Your home mortgage, for example, would be considered good debt as it will generate income and build your net worth as it increases in value.

Unfortunately, debt becomes a reality for many of us at some point in our lives. A recent report showed that nearly 80% of Americans are in debt. And, it's not really a surprise considering the cost of living these days. However,  there are many ways to reduce existing debt and also avoid incurring new debt. Let's explore some of the tips and kick debt to the curb!

7 Tips to Reduce Debt:

To begin, make a list of all of your debts, income, and expenses. Now you are ready to take charge and tackle your debt.

1. Consolidate debt- speak to a financial advisor and create a plan together to pay off your existing debt. One of my favourite tips is to use or open a low-interest credit line or low-interest credit card that can be used to pay off higher interest credit cards and loans. They will be consolidated into one low-interest account so you'll only need to make that one monthly payment. Talk about simplified.

2. Pay off higher interest credit cards and loans first. And, always make sure you're paying more than just the interest every month, otherwise, you won't be paying off the debt (principal), just the interest.

3. Make weekly or bi-weekly payments vs. monthly.  You'll be surprised at how much more quickly you'll pay off those debts. I did this with my mortgage and my home will be paid off much earlier than if I made monthly payments.

4. Increase income: ask for that long-overdue raise, or get a second job or side hustle. Even something as small as a weekly paper route can help. 

5. Declutter: this trend has become hugely popular for quite some time and is still going strong. Declutter your home by getting rid of things that you no longer need, use, or love. Then sell them on apps like Facebook marketplace, Kijiji, Poshmark, eBay and more! I've had great success at reducing my debt this way!

6. Only purchase necessities. Keep a list of what you need and know what you have. Tip #5 will help you know exactly what you have and avoid unnecessary spending.

7. Set up a separate savings account, and have a specified portion of your paycheck go automatically into this account on payday. This way you won't even feel it and you can use these funds to pay down your debt.

Learn more about getting out of debt here.


7 Tips to Avoid New Debt:

1. Cancel credit cards and lines of credit once they are paid off. Keep one for emergencies only. Or use one low-interest credit card for all purchases which can actually help some people keep track of their spending. If having a credit card makes you spend more than you normally would, just steer clear.

2. Use cash. I find that when I use cash, I feel what I'm spending much more than when I'm just tapping or handing over my credit card.

3. Make a budget and stick with it. Live within your means. Check out free online budget planners to help with this task.

4. Walk away from impulse purchases. This works for online shopping as well. Walk away from the item or computer, phone, etc. Go do something else. If you're still thinking about it in a day or two, decide if you really need it or not. Another simple trick that I use if I really want something but know I don't really need it, is to read all the bad (1 star) reviews on the items, which usually works for me. 😄

5. Reevaluate your bills, lower and eliminate what you can. With just a phone call, you can often receive reductions to many of your bills, including your cell phone bill, home and /or car insurance, cable bill etc. How many streaming services do you have? Are you using them? Cancel what you don't use or need. 

6. Emergency fund /savings- Put 10% of your income aside, this way, you’ll be prepared for any unexpected expenses.

7. Payoff bills in full at the end of the month- Once you've paid off your debt and now have a realistic budget in place, you should be able to avoid going into debt again by paying off your monthly bills in full each month.

Remember that "A Penny Saved Is A Penny Earned"- this old expression couldn't be more true! Think about other ways you can save, like trading in that gas-guzzling vehicle for one that's cheaper on gas, joining free reward memberships like Airmiles, using coupons, shopping at dollar stores, going thrifting, finding deals at online marketplaces like Facebook (I recently purchased a name brand GPS in like-new condition for $20 and there was no tax because it was a private sale), shop garage and estate sales, entertain and exercise at home, have fun and experiment making your specialty coffees at home. Get creative and have fun while finding new ways to save your hard-earned money.

Debt not only affects your credit score, but can also affect your relationships, self-esteem, and can cause enormous stress. Once you are debt-free, you will feel so liberated and free and have less stress.

I hope you found my list of tips helpful. I know that they've helped me so much over the years and I hope they will help you too.

Learn more about how to stay out of debt.



End of code