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Originally Posted by pennywise
on the credit: credit must be used wisely. Here you go to the grocery store with your $100 and at the check out you use the credit card. Put the cash in the bank for the payment on the credit card. You must be very disciplined. Okay? Credit is something that should be established, so one credit card that is used, and only one. I think the trade off on the electric and gas comes in the summer months. We use a fan, not air. Air only with very high temps. So the savings come April through Oct because you are not using the gas, did you figure that in?
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Yes, I did figure that in. Actually, the figure I came up with for you was based on not using gas at all for 6 months out of the year
($125 x 6= $750) gas
($25 x 12 = $300)electric
$1050 total
This is NOT including the gas used the other six months out of the year for an oven/range and water heater. But, the $125/month may have been a high average because it was from the "coldest" months.
We don't have air conditioning. I agree with you, that for the most part, using a fan is adequate. We open the windows at night and shut them a bit after dawn.
We use our credit card for online purchases and pay it off within the month. It works well for us.
$100 at the grocery store!!! Not unless we're buying bulk for a few weeks. We spend $40 or less on everything we need for a week including diapers. Yes, we splurge on diapers. The key for us is to really stick to the list. I make up a meal plan for the week, and then create a grocery list based on that, plus any staples we're running low on. I am in and out of the store in less than 20 minutes. I do miss some bargains this way, but I feel confident that not browsing has saved us money in the long run.
We do use more hot water because my husband helps out on his parents' dairy farm every night mucking out. He works in retail during the day, so he showers every day. Apparently not everyone appreciates my "farm fresh" smelling hubby.