Plastic knives are the least used in sets purchased or given with to-go meals. Try these clever ideas so they don’t go to waste.

We have become dependent on our debit cards.  They are so easy to use without the need to write a check.  We see the advantages of using them in our everyday lives, but we need to consider the disadvantages.

Overdraft fees are common with the use of our debit cards. With the ease of use we still have to remember that it is not a credit card.  When you run out of money in your checking account the bank will hit you with some pretty steep fees.  Check your account often and know before you use it how much money you have in your account.

1. Educate yourself to understand your utility bills and each line item and charge included in your bill. Knowledge can save you money!
   

2. Review your monthly bills carefully. Look for unexpected increases in your usage. This could signal a larger problem (water leak, decaying caulk around windows, etc)
3. Install a programmable thermostat.
4. Raise your thermostat 2 degrees in the summer and lower it 2 degrees in the winter. Wear a sweater when you’re cold
5. Take advantage of ON-DEMAND conservation if your utility companies offer it. Mine credits my bill $5 during the warmest months ($20 annually) by switching on and off my units with no adverse effect to my homes cooling
6. UNPLUG anything plugged into an electrical outlet pulls current even when it is turned off. Unplug anything you can when it is not in use!

Our town, due to budget cutbacks, has cancelled this year’s firework display and festival. Your town may have done the same. Because of this, we will probably see more fireworks lit at home. Maybe this is not the post you want to see on Fourth of July, but it is important to study the safety tips for firework use for the benefit of your loved ones.

One of the most controversial subjects of our time is hazardous waste. Where it goes has been central to many long legal battles. Often, people forget that every household contributes to hazardous waste.