Here are 26 tips for reducing your housing costs:
- Live small. One of the biggest things we can do to tame the cost of housing is to live in a home that actually fits our needs. A family of four does not need 5000 square feet. When choosing your home, remember that a smaller house will cost less to heat and cool, will be easier to clean and maintain, and will add to the sense of family togetherness (whether you like it or not).
Even if you are already living in a Tara-like mansion and have no intention of moving, you can still minimize. Take a page from old-fashioned climate management and close off some of your house that you don’t need to use—just like Scarlett O’Hara would have done. You can focus your utilities on the parts of your house that you’re actually using, and lower your utility bills to a more manageable level.
- Insulate. Most houses have drafty areas, and not all of them can be blamed on ghosts. Insulating your home can be as involved as blowing cellulose insulation into hollow walls or as simple as rolling
People often get lost in possessions, good times and in the need to have it all. Having everything is not necessarily the responsible way to get through life and can have many people knocking on bankruptcy’s door. Teaching kids about money not only gives them the value of hard work, but it also allows them to make financial plans and informed decisions.
Earning a pay check from an employer, a special job or from a garage sale puts an amount onto the work you have done. When you have an appreciation for what you’re earning, you’re more likely to spend appropriately. Giving a child some chores and allotting a pay out for each chore is a good way to teach them the difference between various duties.
Bills are another thing responsible adults have to prepare for and something children just don’t seem to understand. Giving them lessons on how the things we need and the things we enjoy often come at some expense is a way to get them to understand. If you child leaves the lights on, charge them a small fee every
If you’re worried about your finances or struggling to get by, it’s easy to think that the root of your problem is that you simply don’t have enough money. You can’t help but think, “If only I had more money then I could… ” You can fill in the blank.
And you’re not alone. Most people think their money problems come from not having enough. But the truth is, the core cause of most people’s ongoing financial trouble is an unhealthy relationship with money.
While anyone can have a situational financial problem due to extenuating circumstances, like a job loss, a failed business, a medical condition, some people’s money issues crop up over and over again. Those ongoing financial challenges are not merely situational but reflect a destructive pattern in one’s relationships with money.
In his book The Secret Language of Money, my friend and colleague David Krueger describes our relationship with money as the “longest-running relationship in our life.” Even before you’re born, your parents’ financial circumstances and attitudes influenced your first experiences of the world, from the kind of prenatal care your mother