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Prepare in Advance: 3 Frugal Tips for Welcoming the Holidays

It’s definitely time to start getting excited about the holidays, but of course, for all of the great things to look forward to in the coming weeks like spending time with friends and family, indulging in the best holiday food and drink, and decking the halls, there comes the less fun matter of how much it can all end up costing. Whether you have decided to try to spend less on the holidays this year or are feeling like you just can’t afford to go all out on seasonal luxuries this time, there are definitely ways that you can keep down the cost of having a fun and memorable Christmas – especially if you plan in advance! Read more

How Can You Cut the Costs of Life Insurance?

Life insurance is pretty much a must-have policy for anyone nowadays, and most people who can afford it have more than just one policy. However, the promise of future protection for your family does come at a cost, quite literally! In case you have recently discovered that the premium you are currently paying for your policy/policies is just too much to bear, rest assured that you are not the only one to make the mistake and more often than not, there are ways to get out of it. Read more

4 Inexpensive Ways To Improve Your Indoor Air Quality

When most people hear the term “air pollution”, they think of industrial emissions, big cities, smog, and car exhaust. Typically the air we breathe inside our homes doesn’t come to mind, but it should. According to the EPA, the air we breathe indoors is often up to five times as polluted as outside, and Americans, on average, can spend up to 90 percent of their time indoors. But, don’t fret. There are many simple and inexpensive ways you can improve your indoor air quality, starting now. Read more

How to Save Money By Paying Attention to Student Debt

If you’re planning to go to college, student debt might be one of your most pressing concerns. It’s not always avoidable — after all, college is a requirement for many professions, and many low-income people attend college to try and raise themselves out of their socioeconomic status.

College can be a great way to find better job prospects, which means it can be a good return on investment. But if you’re looking to save money through college, it’s important to extend that savings to your student debt. When you’re choosing the college or degree you strive toward, use this state-by-state analysis of student debt for a better understanding of your financial state in college. Read more

Get Organized, Then Get Out of Debt for Good

The only thing more challenging than getting rid of debt is trying to do so without a plan. Paying down your debts depends on knowing how much you owe, to whom, and what your options are for doing so. So, let’s turn that cluttered desktop full of receipts, bills, and credit card statements into a system you can actually use to get out of debt.

 

Here are four tips for getting your personal finances organized, so you can get out of debt for good.

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How a Simple Pair of Sunglasses Can Improve the Health of Your Eyes while Working Outside

The human eye is an incredibly complex organ. It absorbs reflected light, focusses it, converts it into an electromechanical signal and sends that signal to the brain. And there you have it – the miracle of vision!

But there’s one thing the eyes aren’t too good at and that’s protecting themselves from UV rays. Our eyes react to bright light by forcing us to squint and constricting our pupils but they can’t actually filter UV. The biggest risk to our vision, especially as we age, is the thing that gives us sight in the first place, the sun.

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HVAC Issues That Can Spike Energy Bills

Expensive heating and cooling bills are one of the most common complaints of homeownership, especially in seasonally extreme weather. It’s estimated that about half the energy used in a typical household goes to heating and cooling the home. Therefore, making good decisions regarding your HVAC system can save you a lot of money annually. Below are the four most common HVAC issues that can spike your energy bills, along with some suggested solutions. Read more

What Farm Owners Should Know about CBD for Working Dogs

CBD oil, also known as cannabidiol, is an extract made from the hemp plant. As cannabis based products flood the drugstore shelves, many people want to learn more about this natural product. In fact, dog owners may have noticed it’s showing up at pet boutiques, and indeed, even the retail section at your veterinarian’s office. 

So, what is all the hub-bub about this plant based compound, and, is it just a marketing fad or is there more to it? This article will explore the basics of CBD for dogs so you can decide if it is right for your dog. 

 

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How a Zone Control System Will Save You Money

Energy efficiency is an important issue for many homeowners. If you’re not careful, your monthly electric bill can skyrocket, forcing you to choose between paying more and reducing your air conditioning or heating usage. Fortunately, there are solutions for homeowners who want to enjoy comfortable temperatures without worrying about how much they will owe each month. If you haven’t heard of a zoned air conditioning system, read on to learn how this option can save you money and make your home more energy efficient. Read more