Do Homeowners like saving money on maintenance/water?
Inner City Skyline
8 years ago
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violetwest
8 years agoInner City Skyline
8 years agoRelated Discussions
First time homeowner lawn maintenance
Comments (14)Compost is actually the most expensive organic material and should be used in special circumstances. Unless you have an unlimited supply of free compost, then stick to mulch mowing, finely mulched tree leaves, and I really like alfalfa pellets. Where I live compost costs me $75 per cubic yard delivered. The app rate is 1 cubic yard per 1,000 square feet, so the cost is $75 per 1,000 square feet. Whereas alfalfa costs more like $6 per 1,000 square feet. And I maintain that alfalfa is 10x better for the soil that compost - assuming you do not have sterile soil. When I bring in fill material, I always use straight sand with horse poo in it. Local materials supplier sells it cheap. As delivered it is too hot for direct application unless you are trying to kill the underlying grass. In the end it is plain white sand. But after a year it looks like black earth with all the organic matter in it. Drop some into water and all the white sand falls to the bottom and the black organic stuff floats on top, so it is still sand but the organic matter really makes the difference. Whether the sand will require more frequent watering depends on other factors as well. Shade, humidity, wind, direct sunlight, clouds, grass type, mowing height, and competition from other plants all are factors bearing on the watering equation. One hour per week all at once is a good starting point. If you get runoff in the middle of that, stop immediately and let the soil rest for 15 minutes. Then resume watering until you get the full amount. Trust tiemco to read your soil test. It's not his first time....See MoreMoney saving things to do now
Comments (16)If you haven't been paying off full balance owing on credit card debt, cut spending back as much as possible, to get on track, or back on track, of bringing the debt balance owing on the card(s) to zero each month. This is especially important on balances owing on store-issued cards, for most of them charge interest at over 25% annual rate. Regular Credit cards often charge 15% - 18% annual rate. I just received a report on my Line of Credit which, fully secured by equities, and unused at present, says that they are charging interest rate of 4.5% at present. That's a major extra benefit with owning liquid assets - they can be used as collateral for loans at much lower rates than that charged on unsecured loans. They add to one's peace of mind if one suffers temporary layoff, or termination due to downsizing, etc. It might be wise to take on one of those card offers that allow zero, or low, rate of interest on balances transferred in for several months. Check carefully whether there are extra fees, penalties, etc. Likely plan to charge nothing on such new cards, as many require that your future payments will go to pay off the low rate debt transferred in before your payments can be used to pay off amount owing on the new purchases. Which means that, after a few months, you'd be back in the situation where you had rebuilt a substantial debt balance on which you were required to pay interest at their regular high rate. Unless you could find a new carrier willing to carry balances transferred in at a low introductory rate. Check out all of the terms and conditions first, though, to avoid unpleasant surprises, later. Make a resolution to purchase gifts for various birthday, anniversary, Christmas and other gifting occasions when you find relevant products at any time of the year. That will avoid the stress of calculating how to afford Christmas just after Thanksgiving, this fall. Much of your costs will have been incurred at various times during the year when they were less stressful than if they're bunched together at Christmas. As I've often said, "Learning how money works is an interesting hobby - that pays well". I publish an occasional newsletter dealing with such subjects, as my years as a personal financial advisor led be to feel distress that so many people know so little about effective money management. Single copy free to anyone with email capability who asks. As many seem to judge that something received at no cost has little value, and the newsletter distills a lifetime of regular experience as well as substantial financial experience and training, I charge a negotiable fee for continuing to receive it, usually asking that much of it go to chjarities, including some international ones, for there are millions of homeless refugees in the world, wondering how they can feed their children when employmentis so scarce. Good wishes to each of you for as low-stress money management as possible. Good wishes to all for a memorable New Year. joyful guy/Ed...See More28 Tips To Save Money
Comments (5)On #s 15 & 16, I think it's important to point out that often the alternative to refi and the like is simply pay down the principle! Especially if you're early in the mortgage, every nickel you pay toward the principle means the balance of the loan's interest on that nickel goes into your pocket. Ol' Joyful, I'll need some of your expertise here, but could you figure a rough calculation of an average type house loan, average refi costs applied to the current loan and how that would compare in the end? I think it'd be interesting. Also, said before, but often people think they "need" a new car and don't consider if they put some money into the old one, it'd save in the long run. Remember, new cars have higher insurance and license costs so there's more than the initial price to consider. I would take a bit of issue too with the convenience store avoidance. You could actually save money if wise. Often, convenience stores sell eggs, milk, bread etc at very low prices, often far less than the markets. Plus it's not a special trip, saves time plus there can be (tho not guaranteed - it's up to you) fewer impulse buys. The longer you're in the grocery store, stats say you'll spend more. Again, it's how savvy you are, but be careful. #18 (Shudder) Buyer's Brokers are seldom a good thing. Let's face facts, no real estate agent/realtor or the like works FOR the buyer! Who pays them? The seller. How do they get paid more? By "benefitting" the seller. There's no way the buyer benefits from realtors. The fewer the better in most cases. Why? Because you can often negotiate the realtor fees. If you have one realtor taking the entire commission, it's far easier to negotiate them down than to negotiate with multiple agents and try to negotiate down when they're getting 1/4 or less of the commission. Beware of this statement and check into these claims. You're far better off to have a good real estate attorney on your side. S/He'll be working for YOUR benefit. Mine found problems in the paperwork and embarrassed the daylights out of the stack of realtors, closers and the like at my closing! It was hilarious! Now as for the inspector, yes, that can be worthwhile, but don't use one recommended by the realtor (kickbacks) and make sure you know what they're inspecting, their qualifications and the like. A good alternative can be a trusted friend with qualifications. Hire like any professional. Realize, though, that the inspectors DO NOT GUARANTEE the house! So if they overlook something, it's not their fault or responsibility and they won't be doing anything for you so know what you're getting. A title examination, especially of abstract properties, can be very important especially if you don't know how to read an abstract. Torrens is less problematic. Buying a home brings up a pandora's box of potential problems and far too many to go into here, but there's some things to be careful of. #21 Consumer Reports is a pet peeve of mine. They're often very biased in their reporting. Plus, keep in mind that they do not "test" ALL models and versions, even of similar products! Do you realize that the washer you buy at Home Depot is different than the one you buy at Best Buy and they're both different than the one you buy from a mom-n-pop dealer? That can have significant differences in the specs and needs. One can have cycles and features the other doesn't. Don't get caught up in the CR myth. Read their magazine with a shaker full of salt and do far more research than CR. You'll be doing yourself a favor. That's enough for now. There's more opinions coming, I'm sure! :) Happy saving all! Enjoy the frugal season!...See MoreHow Do You Try To Save Money?
Comments (28)I do many of the things mentioned here. I am a proud thrifty person. When I married dh, I had quit my job due to an illness that kept me from being able to do it. He said I didn't have to work, and I told him I could make his pay stretch to exceed the amount that I was earning anyhow. He didn't believe me.... now he is amazed. I believe pennies add up to dollars. At first, he balked at some of my frugalness. He loved stopping at convenience stores, and grabbing things on the way to work. Now he gets a lunch that is the envy of his coworkers... they question what his cuisine of the day is, and drool... LOL He had trouble giving up eating out. But I keep my own homemade 'fast food' handy (like burger and fries, frozen homemade soups, etc), and on his trip home he will call and I give him the menu of the night.... let him order... and its ready when he gets here. Not every night, but a couple times a week. He is loving that now, he can eat supper in his sweat pants! I don't have to spoil him this way. However, its my way of staying frugal and keeping with his urge of 'what am I in the mood to eat tonight'. It works for us. Before we married, I watched him throw away food with bad spots in it. I just cringed! I use every little bit of everything... throwing away food is a huge no-no for me. 99% of our clothes are second hand from a thrift shop. I am very crafty, so I am always on the lookout for plain drab clothes that can be altered in some way and items I can rip up for the sewing notions off them. A plain t shirt embellished with lace insert made from an old lace curtain. A boxy blouse into a fitted with a few tucks sewn in. I keep my pantry and freezer full by ONLY buying what is on sale at my local store that week. If nothing 'grabs' me in the ad, I don't even shop. I am not brand loyal to many things. To me, name brand prices are silly, and I am just paying for the flashy ads. I never buy manufactured foods. Cheap or not. I can make the same thing cheaper, and know what ingredients are in it. Dh swears his health has improved due to my 'quality control' as he calls it. I keep my house cool in the winter, and warmer in the summer. I use power strips to shut off those appliances that pull electricity even when not in use. And unplug chargers when not in use. I use CFL bulbs in the lights that stay on for long periods of time. Shut off lights when no one is in the room. I bought an HE washer, which PAID FOR ITSELF in less than 6 months in the savings of water/sewer usage. Also, it is so gentle on clothes, your clothes last longer. I make my own laundry soap. I don't buy fancy cleaners. Ammonia, bleach and soap clean everything I need to clean. I WILL NOT run to the store for a craving. I see this with people around me. If it isn't in the house, we do without. I always do errands together while I am out. I use direct debit from my account for bills that I can. I mail other bills that are local, rather than deliver them in person. A stamp cost less than starting the vehicle and driving a block! I will walk to do some errands, on nice days. I use a tv antennae. I can use my internet connection to watch other shows. I cut the families hair, and my own. I know my hair better than a salon, and always have a nice style than they give me! Our two vehicles are over 15 years old, and well maintained. I try to repair anything that is broken, but if I can't, I do save any useful parts before discarding. It so handy to have a spring or a screw in the 'parts box' for another project. I always try to re-purpose things. Ruffled pillow shams have been valances, and chair back covers, as well as pretty pillow covers. I use olive oil for face cream. Cheap tearless baby shampoo to wash my face, and add table sugar to it when I want exfoliation. Vaseline for body lotion. I will take others cast off furniture. The only item I have bought new was our mattress. Paint or stain can make almost anything else 'match'. My decor is family photos and drawing from grandchildren, framed in thrift store frames or on bulletin boards, house plants and mirrors. My kitchen decor is the items I use to cook with. We have no debt. I am sure there is much more. Yes, cooking from scratch and sewing, etc seems to take a bit more time. Maybe not, since I save the time that I would have spent driving to and sitting in a restaurant, or walking through a mall! But I take caring for family as serious as if I clocked into a job every day. I see people give more effort to their employer, than their own home and family, and I wonder.... about their priorities. I got my 'reward' just recently. My dh told me I am an amazing woman. I took 'nothing', and made a beautiful home out it.......See Morevioletwest
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