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Intro ARP:
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Issuer: Personal-Finance
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00 This past year, we have implemented ways to cut our electricity consumption. This years bill arrived, and I opened it slowly. It was only $185.00 Quite a difference from last year. We had cut our consumption from 3881 kw to 1904 kw for the same time period last year.We never really paid much attention to our electric bills previously because we were too busy going to work. And, we had a steady paycheck coming in so there was always the money to pay the bills. But, now we have simplified our life. We run a small craft business and our income is limited. So, a $300.00 electricity bill was not welcomed, and it certainly captured our attention!Here are some of the tips that we implemented which allowed us to reduced our electricity bill:
- our biggest expense is our electric heat. So at night we turned down our heat by 10 degrees. We put an extra blanket on our bad. Yes, it was cold when we got up in the morning, but it only takes a few minutes to warm up the house.- We also use our wood stove to take the chil
l off in the morning and in the evening. (we practice safe burning in our stove and have the chimney cleaned twice a year)- We switched our incandescent light bulbs to compact fluorescent light bulbs.- We installed motion lights outside. Rather than having our outside light on all night, the light now only comes on if there is motion around it.- Rather than turning the oven on to bake just one thing, we bake more than one thing (a roast, our bread and a cake) Once done baking, we leave the oven door open to allow any heat to circulate in the house.- We buy bigger roasts. Once cooked, we slice the roast and freeze dinner size portions. We reheat the portions in the microwave rather than in the oven. Microwaves take less energy to run than an oven. This not only saves us electricity it also saves us time!- We consciously turn off the lights when we leave a room. Our parents have been saying this for years, and finally we now do it!- We use our ceiling fans to help circulate the heat in the creditcards with low
apr.com winter and in the summer to cool down the house- We reset our dishwasher to eliminate the dry cycle. The dishes now drip dry.- We wash all of our dark clothes in cold water- At night, we close our curtains, allowing the curtains to creditcards with low apr.com insulate against any cold air from the window. And during the day, we open all crdeitcards with low apr.com our curtains to allow the heat of the sun, however limited, to heat the rooms.- While we still use our clothes dryer in Jan, we set it to dry for only 20 - 30 minutes. The clothes dry fine. Previously the setting on our dryer was for one hour! In the summer time we use our clothes line!- We open and shut the fridge - sounds stupid, but standing at the fridge trying to decide what to get, uses electricity! The cold air from the fridge escapes making the fridge work harder and making our electric bill higher!- We fixed the one leaky tap in our bathroom, so no longer does our hot water drip away causing our electric water heater to run more o
ften.- We also do not take long showers, we get in, we wash, we get out.- We no longer let our hot water run. We fill up the sink rather than just run the hot water.- Even a small thing like unplugging our coffee machine when we are done saves creitcards with low arp.com us money as there is a clock on our coffee machine and the clock takes electricity to run. We have a clock on our microwave and on our stove, so we do not need another clock in our kitchen!- When we are not using our computer, we turn it off, including the monitor! All of these things may seem small, but the savings do add up! And, in addition, we are helping the environment by reducing our electricity consumption!
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You’ve probably received several credit card offers in the mail, and the outside of the envelopes scream interest rates and promotional offers to try and entice you into opening it up and looking at what’s inside. Chances are, if you have an email address, you’ve even received a few crdeit card offers through that address- bright colors and animated graphics trying to convince you that there card has the lowest initial interest rate, or the longest transfer balance rate of all the available credit cards on the market. All of the offers will look good at first glance; after all- that’s what marketing is about, right? According to Merriam-Webster’s online dictionary, marketing is a noun used to describe “the act or process of selling or purchasing in a market, and the process or technique of promoting, selling, and distributing a product or service.” Credit card companies are in business to sell you their credt cards, and they’ll use a variety of promotional materials to get your business.
The outside of your credit card offer’s envelope might say something like, “LOW 0% Initial Imterest Rate on all purchases and balance transfers”, but there is much more to how a creit card’s interest rate is calculated than that statement reveals. Initial interest rates are sometimes referred to as the card’s promotional rate, or teaser rate. In all honesty, an initial interest rate is basically the same thing for a credit card as a sale is to a retail store. Retail stores advertise their products that have a discounted price for a limited time to attempt to bring people into their establishment to buy the sale item, but also because once you are there, they hope you’ll purchase other products. Crdeit cards offering initial intrest rates are basically putting their standard interset rates “on sale”, because for a limited time, new cardholders will receive a lower than usual rate on purchases, and sometimes also on any balance you transfer from one of your other credti crads onto this new card. What you need to understand about initial interest rates is that they really are “for a limited time”, and just as you couldn’t go to your favorite store and buy items this month for the sale price that was offered the previous month, you can’t extend a creit card’s initial intreest rate beyond the terms they specify (often found in the small print!) What you’ll want to look for in the text of the materials that were sent with the initial imterest rate vards promotional documents is reference to the cards ongoing annual percentage rate (APR). This is the intrest rate that you will pay once the initial intreest rate period has passed. (The regular price of an item after the sale has ended!)
Initial interset rates will also come with terms of agreement, in the form of a contract, which give reasons as to how or why the rate might be terminated by the credit lender. The most common reason to terminate the initial interest rate offer is for making a late payment on your card, and if you read the fine print of the credit vard agreement- you’ll note that it states this very clearly. In order to keep the promotional, lower rate for the time specified by the credit card lender, you must make every payment on time. If you are late with a payment, you can expect the interest rate to jump to the ongoing APR, or in some cases, higher because you have defaulted on your contract agreements, so do everything you can to make sure your payments are made on time.
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