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10 Feb

Minimum interest rate over the life of the loan is 4.00% (on approved credit). The property is an existing single family home and will be used as a primary residence. The rate lock period is 25 days and the assumed credit score is 740.

At a 3.250 % interest rate, the APR for this loan type is 3.477%.

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Spend a couple of days air sealing your home, using this really handy guide from the Department of Energy, which can reduce your energy bill by about 20% every month with no additional upkeep work at all (it’s a weekend project).

For example, I find things like making a batch of laundry detergent to be fun because I can get the kids involved with it, but I recognize that others might not enjoy such things.

So, I made a list of twenty one spending reducing suggestions that I felt either didn’t have any impact at all on quality of life (things you can do once and benefit from for a while) or, if they’re repeatable, are inherently fun.

Take a trip through your home and look around for things that you simply don’t use – and do something about it.

Collect together things you rarely use and will probably never use again.