I have some more money saving ideas to share with those of you trying to avoid the insurmountable debt that forces one into having to file bankruptcy. Let’s start with a method that I have already mentioned in a prior blog. Use coupons. They will save you a noticeable sum of money. In the blog of May 10th I listed a variety of online sites that offer coupons for retailers and grocery stores. There are also the coupons that come in the mail once a week. Those flyers that clutter your mailbox can definitely be a source of savings. Check them out before tossing them in the trash.
Energy conservation is another way to help your budget. There are the methods of conserving energy I mentioned in the past three blogs, but another suggestion is to consider buying appliances that have the Energy-Star sticker on them. This sticker is included on products that the Environmental Protection Agency recommends. It indicates that the products use less energy than their counterparts. And, as we all know, less energy equals less money paid into electric bills. An additional energy-saving idea is to make sure there are no drafts coming in through your windows or doors. Insulating your windows and putting strips on your doors can save you a lot of money on heat and electric bills, not to mention the air conditioner.
Decrease the temperature of the water you are using to save money. The less you use hot water, the less often the hot-water heater turns on, which means lower utility bills. Also, be aware of how you use water. Some of us have the bad habit of leaving the water running while brushing our teeth or washing our dishes. Turn it off when you are not using it. Remember the expression do not flush money down the drain? And, by the way, another way to save money with water is by drinking tap water. Most tap water has passed inspection and is safe to drink. If you have any concerns about the quality of your water you can buy a reasonably priced filtering system and still save an appreciable amount of money.
When you are looking for major appliances remember to check Craigslist or one of the local outlet stores. The outlet stores offer appliances at a substantial decrease from the price at their retail sellers. And finding a refurbished item on Craigslist, would obviously save you a good deal of money
One more suggestion, remember to buy generic brands in food and medicine. If you look at the ingredients on the boxes you will see that they are identical to the name brands. The savings will surprise you.
If you have any questions and live in Colorado please feel free to contact me. I am here to help. Kevin D. Heupel, Colorado Bankruptcy lawyer, 303-955-7570, COBankruptcyHelpEmail, free-consultation form.
