Ways to Save Money

In these hard times, money is hard to come by so you should know how to save it until things get better. Since it is a balancing act that is somewhat challenging, here are a few ways that can teach you how to save money. If you don’t want to lose your home like a lot of Americans have over the past year, you have to kill your debt first. You do that by calculating how much money you spend in a month and then see where the budgets can be made so there is money you can use to pay ...

Five Practical Ways to Save Money for Students

It can be hard to think of ways to save money especially for students since they don’t have their own money yet. This is because at times, for all the expenses while on campus, there is barely left to save. Although it is hard, it doesn’t mean that it is impossible for students to save money while studying. All they need is to develop good time management skills, strict budgeting, and practicality. If you are one of those who are thinking of ways to save money while on campus or even before you enter one, here are some of the ...

Six Simple Ways to Save Money

No matter where you look at it, there will be always ways to save money if the person has the will do so. If you are one of those who are trying to come up with ways to save money in this unstable economy, it is best to start with developing a simple lifestyle. When you are able to do this, the rest will follow. But, if you are one of those who are not sure where to start, here are some eight simple ways to save money. 1. Cut down on grocery or shopping sprees. Although buying groceries is a ...

Save Money Without Feeling Poor

Yes. You are feeling the economic crunch. Times are hard and you are finding it hard to even make both ends meet with the rising costs of basic necessities and the fact that you lost one of the part-time jobs that you are holding. This is the common scenario that people, not only in the US, is feeling. They may not have lost their jobs but they have certainly found it hard to earn extra. Can you blame them then if they look for ways to cut costs and save money? Although it looks like a pretty daunting task, it’s not ...

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How To Save Money On Your Utility Bills – Insulation

Once you have made the decision that the less electricity my house uses the better, just how do you go about making changes to cut cost? And which changes will get me the most bang for my buck?

The single best way to retrofit an aging home for energy efficiency is to boost the insulation and overall air tightness of the home. Since a home's heating and cooling costs can account for as much as 75% of the total utility costs, better insulation makes incredible sense. Homes built as recently as ten years ago do not have the level of insulation that the newer homes are being built with today. Not to mention that some types of insulation can compress over time losing the valuable air pockets that give it it's insulating quality. While increasing the insulation in the walls is difficult, especially if you don't want to tear out all the drywall in you house, boosting insulation in you attic or crawlspace is definitely an option.

The cheapest method of increasing attic insulation is adding inches to what you already have. In a typical attic, the addition of a few inches of blown in insulation or an attic blanket could make a huge difference in overall energy efficiency. Crawlspace insulation can, overtime, even come lose or have been compromised by moisture or water damage or simply be non-existent in locations. A quick trip under the house by either you or an insulation contractor could go a long way to pointing out problem areas that need to be addressed.

A newer and much better form of attic and crawl space insulation is the spray foam type. I say better because standard fiber glass insulation results in an R-value of 3.2 per inch of insulation. Blown cellulose results in an R-value of 3.5 per inch. A polyurethane insulation sprayed in place offers an R-value of 7.0 per inch. A little bit can go a long way. What makes this type of insulation even better is that when it is sprayed onto your house there are no air gaps at all. All cracks and crevices and holes around pipes are completely sealed. No batting type insulation can come close to it.

Your crawl space is a great place to use spray insulation. The crawl space is great because the insulation is completely waterproof. No amount of moisture under your house is going to damage this insulation. In fact, if you already have a moisture problem due largely in part because your old bat type insulation has been wicking up the existing moisture under your house, the removal of the bat insulation and the installation of spray foam will kill of all forms of mold and mildew (due to the high heat of the liquid foam) as well as supply superior insulation.

And if the crawl space is a great place the attic is even better. Just leave all the old insulation in tact and in place and add a nice thick coating of spray insulation applied directly to the underside of the plywood of your roof. This type of insulation would seal off all existing roof vents. This is preferable to the old stand by of a vented attic because the insulation holds the temperature of your attic space within 10 degrees of the temperature of your conditioned space. The greatest advantage of this is that the heating and cooling ductwork is now in a space that would average at about 85 degrees in the summer versus 135 degrees for a vented attic.

Contact Elizabeth and Dan Guinn at Elizabeth info@danguinnhomes.com for the free report, 'top Ten Best Ideas to Reduce Utility Bills and Spend the Savings on What You Really Want!?