Tagged: build

USA Mortgage Review: #1 Mortgage Lender in Missouri?

If you live in the USA and need a mortgage, perhaps you’ve thought about applying at “USA Mortgage.” Makes sense, right? It just so happens that USA Mortgage is located right smack in the middle of our fine country, in St. Louis, Missouri to be exact. Well, that’s pretty darn close to the midpoint… Anyway, [&hellip

The post USA Mortgage Review: #1 Mortgage Lender in Missouri? first appeared on The Truth About Mortgage.

Why You Need ExtraCredit in Your Life

What do you need your credit score for? In a nutshell, a lot. Credit cards, loans, mortgages, APR, even renting an apartment—whether or not you qualify is based largely on your credit score. If your credit is less-than-ideal, you know it can make your life just that much harder.    Having a bad credit score can hold… Read More

The post Why You Need ExtraCredit in Your Life appeared first on Credit.com.

Under the Influence: 40% of Americans Have Purchased Something Seen on Social Media

Social media has wormed its way into most aspects of our lives. It’s how many adults make friends, find dates, and even build career networks. It’s a virtual portfolio of our personal and public selves, and of course many of…

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The post Under the Influence: 40% of Americans Have Purchased Something Seen on Social Media appeared first on MintLife Blog.

50/30/20 Budgeting Rule: How to Use It [Instructions + Calculator]

  The 50/30/20 rule (also referred to as the 50/20/30 rule) is one method of budgeting that can help you keep your spending in alignment with your savings goals. Budgets should be about more than just paying your bills on…

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The post 50/30/20 Budgeting Rule: How to Use It [Instructions + Calculator] appeared first on MintLife Blog.

How to Slash Your Electric Bill by Heating Less Water

How to Slash Your Electric Bill by Heating Less Water

Does Turning Off Your Water Heater Save Money?

Yes, turning your water heater off when you’re not going to need hot water will save you money—but you may have to wait awhile before you have hot water again. It’s definitely worth it to turn it off while you’re out of town, and you may also want to invest in a water heater timer, which is like a programmable thermostat for your water heater. A better option, however, is turning down the heat!

Turn Down the Heat

You never use your water on full-blast hot anyway (140ºF!), so it’s worth it to lower how hot you keep your water heater. You can save up to $125 per year by simply lowering the thermostat on your hot water heater from 140º to 120º F—and you probably won’t even notice the difference.

Buy Your Water Heater a Jacket

A water heater insulation jacket (also called a blanket) costs $15–$35, but it can cut the cost to heat your water dramatically. By insulating your water heater, you’ll cut down on the amount of energy it needs to use to heat standing water in half, also cutting down on the amount you need to pay. To find out if you need a water heater jacket, touch the side of it. If it’s warm, it’s leaking energy. You may also want to insulate your hot water pipes.

Drain Your Water Heater to Save

Make sure to drain your water heater once a year to get rid of sediment. Left too long, this grit can build up until you’re using energy to heat sludge. Flush it out to use less energy and save.

Wash Clothes in Cold Water

Cut down on the amount of hot water you use by washing your clothes in cold water with a cold rinse. Due to advances in detergents and washing machines, the only time you really need to use warm or hot water is when you need to get a really bad stain, like red wine or oil, out of an article. Not only will you help the environment, you’ll save money on heating the water, too.

For more ways to save money from all over the internet, check out our Saving Money board on Pinterest. And don’t forget to sign up for our newsletter and follow us on Facebook!

Image courtesy of Shutterstock.

How to prepare for a natural disaster

My world is on fire.

As you may have heard, much of Oregon is burning right now. Thanks to a “once in a lifetime” combination of weather and climate variables — a long, dry summer leading to high temps and low humidity, then a freak windstorm from the east — much of the state turned to tinder earlier this week. And then the tinder ignited.

At this very moment, our neighborhood is cloaked in smoke.