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Saving Money Does Not Need To Be Painful - Here's How To Do It If you think it's a good idea to start saving money, then that really means you should do it. To begin, just decide that this is what you want to do. Don't over-think the situation. Don't make the mistake a lot of folks make. They over-think the plan and decide that it's too much trouble. Or they decide in advance that they don't have a way to save a big enough amount to help. Just be patient and persistent. Don't adopt a negative attitude towards saving money - that won't help the situation. You may think that if you rent an apartment, there's not much you can do to save on energy. However, you can seal your doors and windows to prevent heat or cool air from escaping. Doors are easy. If they don't have weatherstripping, it's simply to tack some up and you can find it at your local home improvement center. The windows are really easy to seal, and all you need is some RTV. Simply squeeze a bead of RTV along the window frame on the inside of the window. Then you can use your index finger or a butter knife to make it concave. This will ensure that it gets into any small cracks or fissures that allow heat and cool air to escape outdoors. If you're not familiar with RTV, this is what home builders always use and it works great, but be sure you buy the right kind of RTV for what you need. In case you liked this post in addition to you wish to acquire more information with regards to unsecured debt consolidation loans for poor credit i implore you to stop by our website. Appliances such as your home air conditioner or a heat pump have filters in them that need to be cleaned or replaced Most units will have a replaceable filter, but either way they will become clogged after a period of time. It's a waste of time to try to clean these disposable filters because doing so is basically not possible. These disposable filters are rated in microns, which means the holes they contain are extremely miniscule - a single human hair measures 40-80 microns! A better idea is to buy replacement filters - they are available at home improvement centers or hardware stores - and your appliance will again operate at top efficiency. Clogged filters have restricted air flow and this makes your air conditioner or heat pump work harder and less efficiently. We've all used ATM machines here and there, but you really want to limit that as much as you can. Your bank will charge you a small fee if you use it, and this can add up over time. Over the course of a month, you can see how quickly these fees can add up. If you use an ATM two or three times a week, then you're looking at about $40 per month just associated with that. By adjusting this amount, you can get it right. As you can see, by eliminating ATM use, you can actually save yourself quite a bit of money over time. It may not seem like a lot of money, but it is almost $500 a year. If you have a spouse, roommate, or significant other, it's a good idea for both of you to plan the best ways you can save money together. Discuss different approaches you can take and take advantage of two points of view instead of just one. When you're working side by side with someone else, it's easier to keep a positive attitude and to encourage each other. Progress will come quickly when you work together.