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11 Life Hacks to Save Energy During the Winter

11 Life Hacks to Save Energy During the Winter

For many households, winter is the most expensive time of the year. It is not just the holiday costs associated with the season that creates this expense. The heating costs due to cold weather can also cause your utility bill to skyrocket.

Heating a home is not cheap. In fact, the cost for heat continues to increase.

This means it is more important than ever for people to take steps to reduce their energy usage and decrease their costs. Here are 11 life hacks to help you save energy during the winter.

1. Turn Down the Heat 3 Degrees

You might not know this, but even the smallest margin can make a significant difference. Turning your heat down just 3 degrees can save 10% on your energy bill.

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Save Energy During the Winter

    2. Fill Your Wall Cavities

    It is important that your walls are insulated. The costs savings this will create can vary based on the size and type of your home. However, no matter how much the savings every little bit helps. You should definitely have a consultation to see if insulation is right for you.

    3. Seal up the Leaks

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      Caulking leaks around windows and doors can save energy in the winter. You should try to find places where there are pipes, vents, or electrical conduits that go through a wall, ceiling, or floor. You should definitely check the bathroom, under the kitchen sink, and any pipes inside a closet. When you find gaps where the pipe or vent goes into the wall, you should seal it up. Remember, caulk works the best when used on small gaps. There are other products that are available for larger gaps.

      4. Reduce Hot Water Temperature

      You should set your hot water heater to the “normal” setting, or to a temperature of 120-degrees Fahrenheit. This is unless your dishwasher’s owner’s manual requires a higher level. Setting your water heater to this level can save 7-11% of water heating costs.

      5. Download the Hive App

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        The Hive app is a way to connect your thermostat to your mobile device. This app allows you to check your home’s temperature through the app and change or turn off the thermostat remotely. This gives you more flexible control of your environment and is a great way to maximize the internet of things.

        6. Foil Your Radiators

        Putting a sheet of foil between your radiator and your wall reflects the heat back into the room instead of out through the walls. This is a simple but valuable way to keep your heat in and reduce expenses. This is easy to do with tinfoil and cardboard or specialist radiator foil.

        7. Keep Your Radiator Clear

        It is essential that you keep things away from your radiator. This includes furniture and any other items that prevent heat from circulating at maximum efficiency. You want the heat to be able to move freely throughout your room.

        8. Only Heat Rooms You Use

        Sometimes we have rooms we never use. Like guest rooms or storage areas. These rooms should be closed off with their vents sealed to be more energy efficient. This will also help direct the flow of air into the rooms which are used the most. The average energy bill is $183 per month. If you use a space heater in the rooms you use and set your thermostat to 62 degrees, you will save about $200 each year.

        9. Close Your Doors

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        Close Your Doors

          This may seem obvious but you would be shocked how many people need to be reminded. Closing your internal doors helps to keep the heat in and also prevents cold air from circulating in rooms that are not occupied.

          10. Increase Your Window Glazing

          Increase Your Window Glazing

            When you double glaze your windows you keep more heat in. This means you do not need to keep your thermostat as high as you do with a single glazed window. Another benefit is that you will hear less noise from outside and you can make more noise inside. This is great for when you want peace and quiet or to have a rocking party.

            You can even install triple glazed windows, which provide an even greater barrier to keep out the noise and lose less heat.

            11. Use LED Holiday Lights

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            Use LED Holiday Lights

              Decorate with LED lights during the holidays. You can purchase new LED holiday lights which use at least 75% less energy and last 25 times longer than incandescent lights. LED lights also don’t emit as much heat and are more resistant to breakage. This makes them a much safer alternative. You should also always unplug your holiday lights before going to sleep or leaving your house. These lights continue to draw power even when they are not in use. This can add unnecessary expenses to your utility bill.

              Conclusion

              By following these 11 life hacks you can avoid unnecessary costs over the winter and put more money back into your pocket. Use it to save energy for your home for a rainy day or take that trip you have always wanted to take. Almost anything is better than unnecessarily spending it on your utility bill.

              Featured photo credit: tumblr via 67.media.tumblr.com

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              Vikas Agrawal

              Vikas is the co-founder of Infobrandz, an Infographic design agency that offers creative visual content solutions to medium to large companies.

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              Published on January 8, 2021

              How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

              How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

              Ever wondered whether your credit card debt is the reason you’re in a bad financial situation? You can’t enjoy any fun activities because a good chunk of your money goes toward debt payment. Heck, you’re even behind on some of your monthly bills.

              The effects of clumsy debt management are too many to list here. This guide is going to help you discover how to pay off credit card debt fast and start chasing your financial goals.

              Debt problems are the last thing anyone wants to encounter. But things can get out of hand when all the “little debts” you take accumulate in interests.

              What if you knew some simple and proven ways to be debt-free quickly? Implementing them would mean better financial health for you. It becomes possible to free up cash for your “wants.” These include taking a trip or buying something you’ve always desired. All that while paying your bills on time!

              Let’s not wait any longer. Here are 7 powerful tips for paying off credit card debt fast:

              1. Pay More Than the Minimum Credit Card Payments

              Many people only pay the monthly minimum on their credit cards. Truly, that’s the right amount for staying on good terms with your credit card company. But you need a different approach if you’re looking to achieve financial independence within a short time.[1]

              Most of your payments go toward interest costs when you only pay the minimum amount. A substantial sum of your balance remains standing. As a result, it becomes more expensive to eliminate your debts.

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              You don’t want to wait more than 10 years to get rid of debt while it’s possible to do it sooner. All you have to do is double that $100 minimum payment to $200 or go higher.

              The good thing is that minimum credit card payments are affordable in most cases. By paying a higher amount, you reduce your interest costs, lessen your borrowing period, and boost your credit score.

              2. Start With High-Interest Credit Card Debt

              If you have more than one credit card debt, prioritize putting the extra money toward the ones with the highest interests. This debt pay-off strategy, known as the debt avalanche method, is essential for being debt-free quickly.[2]

              First, you need to list down all the credit card debts you have in the order of their interest rates. Next, you choose the one with the highest interest and pay a significant amount toward it each month. It can be an amount twice or even thrice larger than the minimum payment.

              At the same time, you make monthly minimum payments on the other debts. Their interest charges won’t be as costly as that of the first debt on your list. You only move on to the next high-interest debt after the first one is gone. Remember that your focus is on the interest rates and not the balances.

              3. Revisit Your Budget

              Budgeting is useful for tracking your financial moves. Once you create a budget, some tweaks along the way can make it work for you better. One situation that requires you to revisit your budget is when you’re struggling with debts. It might hurt a bit to slash some expenses. But you also don’t want to miss out on achieving financial freedom in the long run.

              You can reduce some variable expenses to free up more cash for credit card debt payments. They’re the ones that change from time to time. Some examples are groceries, fuel, and clothing.

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              Other opportunities for cutting down your spending lie in non-essential expenses. Instead of dining out all the time, you can cook at home more to save money. You can also share some subscriptions with friends and pay a fraction of the cost.

              If you’re determined enough, you can eliminate all your unnecessary expenses and focus on paying off your credit card debt first.

              4. Avoid Using Your Credit Cards

              Do you want to know how to pay off credit card debt with a low income? One simple way is to stop using them. Having your credit cards everywhere you go means that you’ll be more tempted to buy unnecessary stuff. In this case, you spend money that you don’t really own and get deeper into debt.

              The quickest fix to stop the debt build-up is spending with cash. You’ll be more aware of everything you can afford at any particular time. If you decide to keep one or two cards to ease the transition, always make wise choices. For instance, only use them when experiencing financial difficulties.

              It’s best to categorize your fun activities under “discretionary spending” in your budget. This way, you won’t need more debt to kill your boredom. By halting your credit debt from accumulating, it’s easy to pay down what you already owe and be happy with the progress.

              5. Start a Side Hustle to Boost Your Income

              You’re probably turning away a lot of money by not monetizing your skills. Everyone has something that they’re good at doing. And you can use that to generate extra income for attacking your credit card debt.

              If you look around your neighborhood, you can find several side hustle opportunities. It can be pet sitting, tutoring, or lawn mowing. You can start an online business by offering services such as digital marketing, content creation, and web development. Such skills go in high demand on freelance sites and job boards.

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              Finding clients on social media is also a good strategy to utilize your skills and make more money. Facebook groups, Quora Spaces, and subreddits are some places to look for side jobs. You only have to join a niche-specific platform, share your services, and respond to any opportunities.

              It’s possible to learn a skill, practice it, and earn from it. Use the free resources online or purchase some e-courses to get started.

              6. Sell Your Used Items for Extra Cash

              Starting a side hustle isn’t the only way to generate extra money. You can turn unwanted items into cash for paying off credit card debt. Whether it’s an old TV, book, or furniture, there is always someone itching to buy your used stuff.

              A garage sale, as much as it’s old-fashioned, is perfect for getting your neighbors and passers-by to buy from you. You keep all the money because there are no business permits or taxes involved. While you may not make much cash, it’s better than leaving your stuff to go defunct in your storage.

              Other than that, you can sell your used stuff on online marketplaces. Facebook groups are great places to start if you want quick approvals and hence sales. You only have to ensure that your listing follows Facebook’s commerce policies.

              When selling any pre-owned items online, ensure they’re in good shape to avoid problems with your buyers.

              7. Know When to Seek Help With Your Debt

              Asking for help with your credit card debt can be challenging to do. But letting it drown you is a road you don’t want to take. While you may feel embarrassed at first, it’s the best way to get back on track when you run out of options.

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              There are tons of non-profit credit counseling organizations that can offer you free guidance on how to escape the debt trap. An example is The National Foundation for Credit Counseling. They simply review your finances and help you determine the source of your financial problems. After that, they match you with an actionable debt management solution.[3]

              In extreme cases, the debt solution can be:

              • Debt relief – where your debt is partially or wholly forgiven
              • Debt consolidation – taking out one loan to repay others
              • Debt settlement – the creditor forgives a significant portion of your debt
              • Bankruptcy – legal process for seeking relief from some or all your debts

              It’s necessary to carefully weigh your options before deciding on the way to go. Find out how it might affect your credit score and any other risks.

              Wrapping It Up

              Debt is a major setback when you’re trying to prosper in life. Paying off credit card debt is essential if you want to reach your financial goals. That means having more free income, a good credit card score, and even a chance to retire early. You become more productive each day because of the peace in your mind.

              So, you now have some tips on how to pay off credit fast. Go ahead and get rid of that good life progress killer!

              More Tips on How to Pay Off Debt

              Featured photo credit: rupixen.com via unsplash.com

              Reference

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