Penny Pinching Tips – Homeowner Expenses
DIY Plumbing Leaky Kitchen Faucet
Here are some tips I found in Family Circle Magazine on Penny Pinching Tips for homeowners:
Refinance your mortgage – For many Americans the biggest expense is paying off the mortgage, and that’s where you can save if you’re not planning to move any time soon. “Interest rates are still at historic lows, says Gary Schatsky, a Manhattan-based, fee-only financial planner and founder of ObjectiveAdvice.com, who notes that 30-year fixed mortgages are now hovering at around 5.13%, and 15-year loans at roughly 4.5% “If you can save 1% or more by refinancing, then it’s a slam dunk.” On a $200,000 mortgage, for instance, reducing your rate from 6.5% to 5 % would save you $250 every month. You’ll take a one-time hit on the closing costs, but the long-term savings will likely far outweigh, that.
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Freeze or Sellby Dates on Food Products
Does Sunscreen Have An Expiration Date
Americans throw away $75 billion of food each year with the average American family tossing 14 to 33 percent of the food they buy. That’s almost $600.00 of wasted grocery dollars per family per year. Learning the meanings of terms “best before”, “use by” and “sell by” dates on the products in your grocery store will help you avoid wasting food. Here is a quick guide:
The important thing to remember, according to the U.S. Department of Agriculture is that shelf life has to do with consuming the product while it is at it’s peak, when you are most likely to enjoy it, while expiration dates are all about food safety.
Is Rental Car Insurance Necessary
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Recyle Reuse
Ways to Recycle
Got some great tips from Woman’s Day Magazine plus some of my own on recycling common household items. When you recycle household items you save money and the earth at the same time. A great thing to do and make you feel good about being an upstanding citizen of the planet Earth.
Old sheets and pillow cases - Fold them almost in half, leaving a top flap. Stitch up sides and use them to store blankets, comforters and pillows dust-free. I use old sheets to protect my car seats and trunk when I am transporting plants from the nursery and also put them over plants in my yard to protect them from freezes.
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