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10) Eating out: If you eat out often try cutting back one time a month each month. If it costs you $25 to eat out, but only $5 to eat in, then the $20 you save each month allows you to save $240.00 a year.

9) If enjoy going to your favorite coffee shop daily try cutting back to once or twice a week or instead of buying the more expensive coffee drinks change to the house coffee. The $2.00 to $3.00 a day you could save by buying a house coffee rather than a cappuccino or latte would allow you, over the course of a year, to completely fund a $500 emergency fund.

8) Keep your goal with reach: One thing too many people do is set their goals to high at the on start.  Aim for short-term savings goals, such as setting aside $20 a week or month or 2 – 3 percent of your monthly income. You want to save money without feeling like it is a hardship for you to achieve. Then when you feel like you can start saving more a month do so.  People save more successfully when they keep the short-term goal in sight.

7) Taking care of your oral health:  It really does pays to practice preventative dental care, since a good cleaning routine helps prevent fillings, root canals, and dental crowns, which cab become very expensive and no fun.

Another way in which to keep your dental care cost lost is by having a low cost dental insurance plan. You may want to compare dental insurance plans at and decide which one is right for you and your family.

6) Be prudent when using debit and credit cards. To avoid interest charges, try to limit credit card purchases to amount you can pay off in full at the end of the month. If you use a debit card, do not rely on an overdraft feature to spend money you know you do not  have. With either approach, you will have more money available for emergency savings.


5) Know where your money is going: How many times have you though at the end of the month where has all your money gone? In order to save money you need to know where your money is going, there fore at least once a month, use credit card, checking, and other records to review what you have purchased. Then, ask yourself if it makes sense to reallocate some of this spending to an emergency savings account.

4) Avoid Impulse Shopping: Though many of us will buy a few impulsive items while shopping you never want to purchase expensive items on impulse. Think over each expensive purchase for at least 24 hours. Acting on this principle will mean you have far fewer regrets about impulse purchases, and far more money for emergency savings.

Smoking increases the amount of cholesterol and unhealthy fats circulating in the bloods, leading to unhealthy fatty deposits. Over time, cholesterol, fats, and other debris build up on the walls of your arteries. This buildup narrows the arteries and blocks normal blood flow to the heart, brain, and legs. Blocked blood flow to the heart or brain can cause a heart attack or stroke. Blockage in the blood vessels of your legs could result in the amputation of your toes or feet.

Smoking makes your blood thick and sticky. The stickier the blood, the harder your heart must work to move it around your body. Sticky blood is also more likely to form blood clots that block blood flow to your heart, brain, and legs. Over time, thick, sticky blood damages the delicate lining of your blood vessels. This damage can increase your risk for a heart attack or stroke.

Smoking raises your blood pressure and puts stress on your heart. Over time, stress on the heart can weaken it, making it less able to pump blood to other parts of your body. Carbon monoxide from inhaled cigarette smoke also contributes to a lack of oxygen, making the heart work even harder. This increases the risk of heart disease, including heart attacks.

Smoking can cause your skin to be dry and lose elasticity, leading to wrinkles and stretch marks. Your skin tone may become dull and grayish. By your early 30s, wrinkles can begin to appear around your mouth and eyes, adding years to your face.

Smoking can cause dental decay.  Smoking takes a toll on your mouth. Smokers have more oral health problems than non-smokers, like mouth sores, ulcers and gum disease. You are more likely to have cavities and lose your teeth at a younger age. You are also more likely to get cancers of the mouth and throat.

Smoking can cause blindness and night vision. Smoking causes physical changes in the eyes that can threaten your eyesight. Nicotine from cigarettes restricts the production of a chemical necessary for you to be able to see at night. Also, smoking increases your risk of developing cataracts and macular degeneration (both can lead to blindness).

Hearing loss, yes smoking can effect your hearing.  By smoking it reduces the oxygen supply to the cochlea. This may result in permanent damage to the cochlea and cause mild to moderate hearing loss.

One way to make sure you are saving energy is by not letting it go out the back door.  Here are some tips on where to find and stop leaks:

1) Seal the air leaks around utility cut-throughs for pipes (“plumbing penetrations”), gaps around chimneys and recessed lights in insulated ceilings, and unfinished spaces behind cupboards and closets.
2) Find out how to detect air leaks.
3) Learn more about air sealing new and existing homes.
4) Add caulk or weatherstripping to seal air leaks around leaky doors and windows.
5)  Find out how to select and apply the appropriate caulk.
6) Learn how to select and apply weatherstripping.

Here are some tips on how to  Maintain your heating systems:

1 ) Make sure to schedule service for your heating system.
2) Find out what maintenance is required to keep your heating system operating efficiently.
3) Replace your furnace filter once a month or as needed.
4) Find out more about maintaining your furnace or boiler.
5) Wood- and Pellet-Burning Heaters: Clean the flue vent regularly and clean the inside of the appliance with a wire brush periodically to ensure that your home is heated efficiently. Find other maintenance recommendations for wood- and pellet-burning appliances.

When you are home and awake, make sure to set your thermostat as low as is comfortable.     When you are asleep or out of the house, turn your thermostat back 10° to 15° for eight hours and save around 10% a year on your heating and cooling bills. A programmable thermostat can make it easy to set back your temperature.

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