"Part of the $10 million I spent on gambling, part on booze and part on women. The rest I spent foolishly." - George Raft

SavingAdvice.com Blog

Bridging the gap between saving money and investing

Environment

How to Save Money While Saving the Environment

By Leave a Comment

How to Save Money While Saving the Environment

Saving the environment is a worthy cause. There are so many good reasons to invest your energy into green actions. Most of those reasons are beneficial on a global, or at least local, scale. However, they can also benefit you personally. For example, many of the actions that you take to save the earth also help you save money.

Here are nine ways to save money while saving the environment:

1. Reduce Purchases

The first rule of “reduce, reuse, recycle” is the most important one: reduce. Stop buying things that you don’t need. They go into landfills. It’s bad for the earth. It’s bad for your bank account.

2. Save Energy At Home

Reduce your energy use at home. The immediate benefit is a reduction in your utility bills. The long-term benefit is that you’re doing good for the earth.

3. Eat Plants

Stop or significantly reduce meat-eating. Don’y buy expensive meat substitutes or processed foods. Instead, eat plants.  It’s much better for the environment. Fresh produce is typically cheaper than those other products, so you will likely save money on your grocery bill. Plus, a healthy vegetarian diet might also save you long-term medical costs.

4. Stop Wasting Food

Food waste is a huge problem in America. Do your part in saving the environment by eliminating food waste in your own home. Shop your fridge. Label and date all items. Freeze what you can. Eat what you buy.

5. Invest in Alternative Energy Stocks

Sometimes you have to spend money to make money. Investing in stocks is one way that people do that. Try investing in alternative energy stocks. This supports saving the environment. If you’re lucky, you’ll increase your own savings at the same time.

6. Buy Energy-Saving Gadgets and Devices

When it comes to spending money, the first rule is “don’t.” (In other words, reduce consumption.) However, when you do plan to spend money, you might find it worth it to spend a little more for eco-friendly purchases. For example, buy Energy Star appliances or a smart thermometer for your home. This will allow you to save money over time while also saving the environment.

7. Give Up Your Car

If you can go car-free then you’ll go a long way towards saving money and saving the earth. Perhaps you can’t give up your car entirely. You can still take small steps. Drive as little as necessary. Walk, bike, or take public transportation instead.

8. Reduce Paper Waste

Do you use paper towels to clean up spills? A rag works just as well, if not better, and it doesn’t cost as much to you or the environment. Do you get your coffee to go in paper cups? A reusable coffee thermos is a better choice. Some stores even give you a discount if you bring your own.

9. Save Yourself the Costs of Natural Disasters

If we aren’t kind to the earth, then we risk continued and elevated natural disaster issues. Fires, hurricanes, and floods will all result. These things cost money at a national level. If you’re personally affected by a disaster, you’ll also feel the financial impact. Help reduce these long-term issues by reversing climate change through saving the environment.

Hurricane Costs: Florence to Cost Hundreds of Billions

By Leave a Comment

Hurricane costs

Over the years, the overall hurricane costs have increased with each natural disaster. Hurricane Florence will be no different. The storm could cost the East Coast as much as $170 billion in damages and lost productivity. In New Bern, NC alone, more than 4,300 homes have been absolutely destroyed. Wilmington and many other coastal towns are still completely unreachable by car and it may remain that way for days.

Hurricane Costs Reach Hundreds of Billions

While the $170 billion estimates may seem high, flooding from Hurricane Florence has completely cut off access to coastal towns. Towns on the coast often rely on tourists to keep their economy going. Most businesses were forced to shut down completely for evacuation. Not to mention, destroyed homes and at least 23 individuals confirmed dead, with numbers climbing.

Below is a graphic of the most costly hurricanes in U.S. history from the National Oceanic and Atmospheric Administration, with Katrina still leading the way. If estimates are correct, Florence will surpass that.

Hurricane florence

Hurricane Flood Insurance Payouts

Katrina led the way with more than 167,000 flood insurance payouts, reaching $16 billion in total cost. On average, each payout was less than $100,000. Estimates of insurance payouts for Hurricane Matthew (2016) range from $1.5 billion to $7 billion. Hurricane Sandy, another high-cost hurricane, led to $18.75 billion in insured property loss.

Personal Cost of a Hurricane

Cost of hurricanes

Outside of the obvious property loss and damage, many of these areas will suffer serious economic impacts in the months to come. Many individuals aren’t able to return home or travel far from home right now. Those who stayed are trapped inside with no stores, gas stations, or restaurants open locally. Individuals who evacuated often have to spend money to stay in hotels.

Because Hurricane Florence came so far inland and many areas are still unreachable, it will still be quite some time before we know the true cost of the storm.

hurricane costs

 

First Person Account of Hurricane Florence

Less than 30 miles down the road from where I live, homes and cars are floating away, a one-year-old child’s life was lost, and people are still without power. Many people will also be unable to go to work due to road access or their place of work being flooded.

Locally (in Charlotte, NC), we’ve been extremely lucky. We have had some trees down and some flooding. Although we’ve been stuck inside with many roads blocked off for a few days, we’re thankful for our safety and how we faired during this devastating storm.

Readers, have you been impacted by Hurricane Florence? Join the discussion on hurricane preparation in the Saving Advice forums. 

Read More

Summer Allergy Update: Homeopathic Remedies for Allergies

By Leave a Comment

<img src=" Summer Allergy Update: Homeopathic Remedies for Allergies.jpg" alt”asunflower">

For most of the country, the worst of 2018’s allergy season has come and gone, but that doesn’t mean everyone is out of the woods just yet.

In early June, tree pollen will likely peak in northern New York and into New England, according to AccuWeather.

Furthermore, grass pollen will also increase in the southeast and mid-Atlantic regions. This means allergy sufferers could still be struggling this time of year.

Homeopathic  Remedies for Allergies

While prescription and over-the-counter medications can provide relief, some prefer a more natural route. Luckily, there are a variety of home remedies that can help. Here are some options for keeping your symptoms at bay.

Nasal Irrigation,

Options like neti pots and nasal washes flush materials out of your sinuses, which can reduce your exposure to allergens. Typically, they use a saline solution and purified water to break up mucus and remove irritants, like pollen.

Using a neti pot can feel odd at first, as you have to allow the rinse to enter one nostril and exit the other. Additionally, you need to make sure that you don’t use them with tap water, which can introduce risks.

Butterbur

Butterbur is a plant extract that may reduce inflammation of your airways. One study by Swiss researchers showed it was as effective as two over-the-counter antihistamines (cetirizine and fexofenadine) at reducing congestion and runny noses.

If you decide to use Butterbur, it has to be in an extract form. In its natural form, butterbur has dangerous compounds that can harm the liver, but they’re removed during processing.

Honey

Many praise honey for its health benefits. When it comes to allergies, one of the things honey can do is ease a sore throat. By swallowing a spoonful, it can calm irritation and coat the tissues, providing relief.

Try to source your honey locally, since that might help you build to pollen proliferating in your area. However, it would take time for a tolerance to develop. Note also that research on this topic is sparse.

Hot Showers and Steam

A hot, steamy shower can do wonders for the sinuses. But, for allergy sufferers, the benefits may be twofold.

Not only will you be able to unclog and clear your sinuses but showering also removes allergens from your skin and hair, reducing your exposure. This also decreases the likelihood that you will transfer the allergens to other items, like pillows and furniture.

If you just need the sinus-clearing benefits, you can also try a facial steam. You can use a facial steam device or simply heat some water and put it in a bowl. For the maximum effect, drape a towel over your head to catch the steam. You can also add eucalyptus oil to the water to reduce inflammation. Just be careful not to get too close to the water, or you can get burned.

Tea

Drinking tea can also provide allergy sufferers with relief. Since a hot cup of tea produces steam, that can help open nasal passages.

If you choose peppermint tea, you may also get some decongestant and expectorant benefits. Green tea may also have antioxidant properties that can reduce allergic reactions, albeit slightly.

However, if you are allergic to ragweed, avoid chamomile tea. It can cause a similar allergic reaction, so avoiding it is best.

Air Filters

If you need to make your home a sanctuary, install a high-efficiency particulate air (HEPA) filter on your HVAC system. If you don’t have central air conditioning, you can also purchase portable air cleaners that do the same thing.

These filters capture pollen in the air, ensuring it doesn’t circulate through your home. You will need to change the filter regularly to get the most benefit. Refer to the manufacturer’s instructions regarding the replacement schedule.

Pay Attention to Weather Reports

Step up your consumption of weather forecasts to learn about conditions that might exacerbate your allergies — so that you know when it’s best to keep the windows closed or even stay indoors.

Depending on exactly what you’re allergic to, you might find that your symptoms worsen on windy days or those with increased pollution. Conversely, your symptoms might subside after a heavy rain, which tends to reduce the amount of pollen in the air.

Speaking of which, you can obtain more details on local pollen counts by visiting websites like Pollen.com.

Readers, do you or someone you care about suffer from allergies — and what’s your opinion on homeopathic remedies versus traditional pharmaceuticals?

Read More

Looking for more great articles? Give these a try:

If you enjoy reading our blog posts and would like to try your hand at blogging, we have good news for you; you can do exactly that on Saving Advice. Just click here to get started.

Lawn Care for Extreme Summer Weather

By Leave a Comment

<img src=" Lawn Care for Extreme Summer Weather.jpg" alt”housewithfrontyardshowinggrass">

Extreme summer weather can wreak havoc on your lawn if you don’t change the way you care for it. You might actually be forced to do something different: For instance, if you live in an area susceptible to drought, local ordinances on water rationing might actually prohibit you from watering your grass.

In some cases, you may even need to revamp your lawn entirely — that is, replant a different variety of grass that can better changed weather conditions.

Preparing your lawn for the kinds of extreme weather conditions that tend to affect where you live — this usually won’t require much work.

Heat Waves, Droughts and Wildfires

Before summer 2018 even officially started, numerous parts of the country already experienced record high temperatures that qualify as heat waves. All forecasts have called for above average temperatures this season.

High temperatures don’t necessarily indicate that a water shortage will occur, but it doesn’t hurt to plan for that possibility.

For example, allowing your grass to grow a little longer can help it retain water. Plus, it creates some of its own shade, helping to keep the ground cooler and lessening the negative effects of evaporation.

However don’t grow it longer if your area has had wildfires in the past.

You might also want to skip fertilizer in periods of extreme heat, it can cause damage.

Watering Strategies

When you do water, make sure to do so only during the very early morning hours — when it’s cooler out, more moisture can be absorbed.

If your area has experienced droughts in previous years, consider updating your landscaping toward more of a desert look, possibly eliminating as much of the grass as possible.

Otherwise, refer to your local ordinances to find out your watering schedule. Then, follow it closely, watering on all of the days you are allowed.

Ideally, you want to use an irrigation system and not sprinklers. Sprinklers are less efficient, so not all of the water may make it into your lawn.

To minimize the risk of fires, clear out brush as regularly as possible. Additionally, if any of your plants die or turn brown, remove them immediately. You also want to rake up fallen leaves and dispose of them. All of these things add fuel to fires.

Hurricanes, Storms and Floods

Hurricanes, tropical storms, and even floods can quickly lead to soil erosion. As the soil is washed away, it destroys your lawn.

Conversely, if you can take steps to thicken your lawn and make it healthier, that will increase the chance it will survive the onslaught of water.

As early in the summer season as possible, fill any bald patches with additional grass. Also plant roots help keep the soil in place so it won’t erode.

You may also want to allow your grass to grow longer before mowing it. This allows the roots to also grow deeper, providing more stability to the soil.

Lawn Care for Extreme Summer Weather

By following the tips above, you can maintain a healthy lawn regardless of any extreme summer weather conditions.

And by starting now, you may even be able to prepare in advance, giving you a head start this year.

Readers, how has the summer sun been affecting your lawn in recent seasons? Do you have other any tips for protecting your lawn during extreme weather?  

Read More About Summer

If you liked this article, you just might like these other gems from our archives:

If you enjoy reading our blog posts and would like to try your hand at blogging, we have good news for you; you can do exactly that on Saving Advice. Just click here to get started.

Bug Repellents for Your Home and Yard

By Leave a Comment

As temperatures rise and everyone heads outdoors, bugs are also becoming active. While some pests are simply an annoyance, others carry harmful diseases.

For example, mosquitoes can transmit West Nile Virus, multiple forms of encephalitis, Dengue fever, a range of parasites, and more.

Additionally, allergies to bee stings are fairly common, and certain spider bites have the potential to be deadly.

Whether you want to keep bugs away for your own comfort or for health reasons, using a bug repellent may help. However, you need to choose the right options for each pest to get the job done right.

Bug Zapping Lights

One of the most widely used things for dealing with outdoor insects surrounding homes is the so-called bug zapper. It uses UV light to attract flying pests. Once an insect  lands on the board, the light electrocutes it.

Although a bug zapping light does kill flying pests, it isn’t always the best solution. The light actually attracts more bugs, making them more likely to appear in the area. Remedy this by placing the bug zapper some distance away from where you are — to draw the insects away from where you are hanging out.

Another problem with bug zappers: If there’s a breeze, electrocuted insects’ remains can be flung around the area. That’s all the more reason to place the appliance away from where you hang out (and especially eat).

Finally, keep in mind that bug zappers don’t have any effect on mosquitoes, which aren’t attracted by UV light does not attract them.

Candles and Torches

Candles and tiki torch oil featuring citronella can help repel pests, especially mosquitoes.

However, for citronella to work, the air needs to be fairly still — because its odor is what repels the bugs.

Additionally, it might not be very effective in open areas. However, if you have a screened porch, citronella may do the job on a still day.

Orange or Peppermint Oil

Orange and peppermint oils are natural bug repellents. Plus, they are safe for use around people, making them a viable indoor or outdoor solution.

Take a spray bottle and fill it with water. Add around 10 drops of your selected oil and a couple of drops of dish soap. Shake the bottle lightly to combine the ingredients. Then, spray areas where bugs like to gather, such as eaves, outdoor light fixtures, and porch ceilings.

You can also use these sprays indoors in areas like closets. However, if you have pets, it’s best to stay away from peppermint oil.

Cats are particularly bothered by peppermint oil and could develop lung issues after inhaling it. If a cat consumes peppermint, it can cause upset stomach, liver damage, or even lead to central nervous system problems.

Pest Control Sprays

There are a wide variety of commercial pest control sprays available today, including some natural variants. Some target specific pests, like ants or mosquitoes, while others act on a wider range of species.

If you are looking to buy a commercial product, make sure to read the warning and ingredients labels thoroughly. This lets you know where it is safe to use the spray (such as whether it is suitable for indoor use) as well as the risks of accidental exposure.

If you are worried about any of these risks, opt for one of the more natural remedies mentioned in this article.

Sulfur Dust

If fleas, ticks, mites or chiggers invade your yard, consider sulfur powder. This yellow, smelly element can prevent eggs from these species from hatching. It also emits an odor that may drives the adults out of your yard.

Check the weather forecast before proceeding with sulfur dust: You need to sprinkle or sift it during a period when rain isn’t expected for a few additional days. Yes, your yard will smell for a while, but this can do the job.

It is important to note that sulfur is flammable. That means you don’t want open flames or embers in your yard while the powder is sitting. Postpone any outdoor barbecues or campfires until after the powder has dissipated.

Diatomaceous Earth

For ants, caterpillars, and slugs, try diatomaceous earth. This white powdery substance is all natural and will repel a variety of insects.

It’s typically safe to use around people and animals. However, the dust is actually abrasive, so you don’t want to inhale it. Use a mask while applying the powder and give it a chance to settle into the soil before using your yard.

Bug Repellents for Your Home and Yard

Ultimately, any of the approaches above can help you repel pests from your home and yard.

Just make sure to read any warning labels and always follow the instructions for commercial products.

Readers, which types of bug repellents have you had the most success with?  

Read More

Looking for more great articles? Check these out:

If you enjoy reading our blog posts and would like to try your hand at blogging, we have good news for you; you can do exactly that on Saving Advice. Just click here to get started.

5 Summer Home Improvement Projects

By Leave a Comment

<img src=" 5 Great Summer Home Improvement Projects jpg" alt”alargehome">

Investments in residential remodeling will increase by 4.9 percent over the course of the year, according to the National Association of Home Builders.

Many of these projects take place in temperate weather — so outdoor tasks are easier — but before it gets too hot.

Which home improvement projects you decide to take on depends on your unique situation. However, there are specific options that are worth exploring, especially if some maintenance has fallen by the wayside.

1. Air Conditioner Servicing

Having your air conditioner serviced before summer really heats up is a smart choice. After all, if your air conditioning goes out during scorching temperatures, you’re going to get uncomfortable quickly.

Ideally, you should have your air conditioner inspected, cleaned and serviced every year.

This ensures optimal efficiency, which can keep your utility costs down, and gives you a chance to address problems before they become catastrophic.

2. Clean Gutters and Downspouts

Many homeowners only think to clean their gutters and downspouts in the fall. However, if you live near flowering trees, falling petals can also cause clogs.

Begin by inspecting your gutters and downspouts. Make sure they are firmly attached to your home and fill any gaps with silicone-based caulk.

Then, gather debris out of the gutters and check the base of the downspouts for obstructions. Remove any built up material to ensure water can flow through with ease.

3. Maintain Sprinklers

If you have sprinklers, now is the ideal time for some maintenance. Passing over sprinkler heads with a lawnmower or weed trimmer might cause breakage, so you want to examine them all closely.

Check the sprinkler heads for broken ones that need replacement. Take care of that now so they’ll all be working when you need them most.

You can also clean out clogged sprinkler heads. Just remove the head and basket and rinse both thoroughly with clean water. Then, simply reattach them.

4. Replace Your Thermostat

Installing higher-tech thermostat — also known as a smart thermostat — before summer can be a wise move. Programmable options can help you save big on utility costs, especially if you adjust the temperature for when you’re not at home.

During the summer months, increasing the inside temperature by 7 to 10 degrees when you’re away can result in a savings of around 10 percent.

If you invest in a programmable model, you can set it and forget it. Just choose a higher temperature for when you leave for work and select a cooler one for right before you arrive back home.

Many smart thermostats connect to your home Wi-Fi network. Then, you can access it through an app, giving you the ability to make changes even when you’re away.

5. Clean Dryer Vents

Debris lingering in dryer vents create fire hazards. Nearly 3,000 dryer-related fires occur each year, resulting in a total of $35 million in property loss. Failing to clean the dryer is the leading cause of these fires, accounting for about 34 percent of them.

When you clean your dryer, you need to look beyond the lint trap: The vents in the back can also clog, so check those as well. Additionally, examine your dryer hose and remove any buildup from there as well.

If your dryer hose is damaged, purchase a replacement. Usually, you can find one for just $10. Plus, the replacement process is easy and usually only requires a few basic hand tools to do it right.

Ready Your Home for Summer

All of the summer home improvement projects mentioned above are fairly simple and generally inexpensive, putting them well within reach for most homeowners.

Ideally, you should consider handling them all, ensuring that your house is as ready for the summer as you are.

Have you recently completed any summer home improvement projects? Tell us about them in the comments section beneath this post.

Read More

Looking for more great home improvement articles? Give these a try:

If you enjoy reading our blog posts and would like to try your hand at blogging, we have good news for you; you can do exactly that on Saving Advice. Just click here to get started.