SAVE ON THOSE POWER BILLS !

If you are heating with electricity, turn the thermostat down in rooms not being used. Even if you are leaving the room for 1/2 hour, turn it down a few degrees.

When doing laundry, do a full load and use the W/C setting. Also, adjust the water level accordingly. Put them through the spin cycle at least 2 times to get the water off of them. It will make it much quicker to dry. Getting the extra water and moisture off your clothes will save you money not having to dry them for as long. This in turn will save you money with your biggest energy guzzler - the dryer! Better yet, hang your clothes on the clothes line.

Fill plastic pop bottles 4/5 of the way with water and put them in your deep freezer to keep it cold. You can add bottles or take them out as necessary.

Turn lights off in the rooms you aren't using.

MONEY SAVING TIPS !

Pay yourself first. Save at least 10% of your paycheque and put it in the bank or make extra mortgage principle payments.

Use cash instead of credit cards.

If you don't already have one - BUY A HOUSE. Never buy a house that has semi-detached houses or apartments nearby. However, buy a semi-detached or townhouse in a neighborhood with nice houses.

Never pay utilities early, that way you keep your money longer.

Paying bills online saves you time and money.

Pay your own property taxes thereby accruing interest which is yours.

Don't buy anything unless you need it. Someone once said to me "At least I'm getting something for my money". I say, "if you are spending your money, it's spent".

Start a home business to help with income tax deductions.

SAVING MONEY AT HOME !

Save money by doing simple maintenance yourself like painting etc. and hire licensed contractors for the more complicated tasks such as electrical wiring etc.

Use area rugs to protect carpets and hardwood floors in heavy traffic areas. If you have carpet in your house, never walk or let anyone walk on it with shoes. Walking on carpet with shoes will dramatically reduce the life of your carpet.

Preventative maintenance like applying a waterseal to fences and decks every year will save you money in the long run.

Make sure water from gutters is draining away from the house and that the ground around your foundation is elevated so that water is draining away from the house. This will prevent water and moisture problems in your house thereby saving you money.