Managing Home Maintenance Costs

Next to pools and hot tubs, running an air conditioner during the summer is by far the largest energy user in your home. That also means that it is also the highest cost device in terms of electricity used by your home over the summer months when it is hot and you need relief from the high temperatures and the humidity that usually goes along with it. There are lots of theories about how to adjust air conditioner thermostat in your home to reduce the overall cost. We investigated many web sites and found a great deal of information which makes a lot of sense when you think about it. Even the department of energy weighs in on this topic and had some good ideas. We will summarize all of them in the following paragraphs.

How to Adjust Air Conditioner Thermostat

The basic rule is that if your AC is running it is costing you money. If it is not running you are saving money. There are various approaches you can take to decrease the amount of time it is running to reduce your cost and make them more efficient. Here is the list that we gleaned from a number of web sites.

• Set the temperature on your thermostat higher to a level your family is comfortable with
• Turn off the AC or set it higher when you are not at home.
• Set the thermostat higher during the day, lower at night and when the family arrives home
• Use the Thermostats timer to control the temperature at various times of the day
• Use fans to move the air around in your home, they draw less energy
• Make sure your ceiling fan is blowing air down towards you instead of up to maximize the cooling effect
• Close blinds and curtains to decrease the amount of heating via windows.
• Size your Air Conditioner for your home. Too small and too big are both bad ideas causing inefficiency in terms of energy use
• Locate your AC outdoor unit in a shady spot away from the sun
• Make sure there is lots of ventilation around your outdoor unit, avoid shrubs etc
• Keep all filters and outdoor unit clean to increase efficiency
• Keep all air ducts open and make sure your cold air return ducts are open and clean
• Utilize shade trees to shade your home

Spending more to obtain credit card rewards is one of the worst financial strategies that consumers could follow. Spending more usually means that you do not have the cash to pay the credit card bill. When the credit card statement arrives, the due date is clearly shown. If you cannot repay the balance by the due date, consumers are charged anywhere from 15% to 30% interest. Any savings in sales or rewards will quickly be used up in interest charges.  Sure, you have your reward. But it would have been cheaper not to buy the item at all. Perhaps purchase the reward itself instead of trying to obtain enough points to gain the reward.

Spending More to Obtain Credit Card Rewards – The Right Way

Credit card rewards can be worthwhile, provided you only purchase what you need. Always charge your purchases to the credit card and pay the full balance on the due date. Once you need to pay interest, you have lost any savings from the original purchase. Perhaps your item will cost more than the total price due to the interest charges. Credit card companies are counting on you to miss your payment to begin billing interest charges. In addition to collecting a commission on every sale from the store owner, they make billions from consumers by charging interest on overdue accounts.

Credit card rewards can be very lucrative, significantly, if they save you money for something that you would do anyway. For example, a card that provides rewards for travel to places you were planning to go anyway can be a good deal if the rewards cannot be used for something you like and enjoy, cancel the card and get one that meets your needs.

Be patient. If used properly, the rewards will build over time and save you money in the long run. Whatever you do, avoid spending more to obtain credit card rewards!

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