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How To Save Money On Repairs

Here are a few tips and tricks for saving money on repairs –

Keep track of your manuals.  I have a binder wherein I keep the manuals for all of the tools and appliances that we buy.  Quick tip – If you’ve lost your manual, check online.  Search by manufacturer and model number.

Check to see if the item is under warranty.  Remember those little warranty cards that come with the stuff you buy?  They’re important!  Keep up with them – and register stuff.  If something breaks, and it is still under warranty, you may have it repaired, or replaced, for free!

See if you paid for the item with a credit card.  I know, I know.  I’m no fan of credit cards, but, that doesn’t take away from the fact that several credit card companies offer extended warranties on items purchased with their cards.

How We Are Paying Off Our Mortgage

We have a 15-year fixed-rate home mortgage – and we are working hard to pay it off in less than 10 years.

We purchased our home in February of 2010.  The original mortgage term of our our loan was 180 months, with the loan due to be paid off in March of 2025.  So far, we have whittled away 7 months from that date.

Here’s what we do –

Each month we make our monthly mortgage payment.  We do so via an auto-draft from our online banking account.

Then, we make an extra, principal-only payment.  We write (type) the words “apply to principal” in the memo section of the check.  Our mortgage company knows to apply this payment towards our principal – and to not treat it as a prepayment for the next month.

Getting Our House Ready For Fall

A quick Google check confirms it:  The first day of fall is September 22.

I had to look that up just to be sure, because the high today was 91 degrees, which is decidedly un-fall-ish.

In just a few weeks (hopefully!) the weather will turn and fall will be here.  In preparation, I’ve been working hard to get our house ready for fall – and the winter to follow.

Outside

Rain Gutters – At the end of summer and winter, I clean out our rain gutters.  With several large oak trees in our yard, it’s important to routinely remove fallen leaves from our rain gutters.

Vinyl Siding – Our house has vinyl siding and I pressure wash the siding (at least) twice a year.  I’ll do so this week, washing off the dust of from summer mowing, so that house will look nice for fall.

My DIY Adventures

Over the past few years, I’ve worked to improve my DIY skills.  Here are a few of the projects I’ve tackled – with an eye towards saving money and doing it myself.

I replaced the garbage disposal below our kitchen sink.  This project was relatively simple.  I worried a little bit about the electrical connection, but I figured it out.  The disposal connects to the bottom of the sink via a special bracket and connects to the dishwasher via a long hose.  Prior to disconnecting the old disposal, I snapped several pictures of its various connections.  When connecting the new disposal, I referred the the pictures, and installation was a snap.

I Still Buy Stuff I Do Not Need

I have been writing about personal finance (as in, my own) for nearly a decade.  In that time, I’ve had some financial success – paying off my consumer debt, purchasing a new home – and some blogging success – mentioned in the New York Times, interviewed on television and on radio – but the truth is: I still buy stuff I do not need.

I also use unnecessary dashes and commas when I write, but that’s a topic for another day.

Convenience Items – I am a sucker for anything that makes life easier.  I tend to spend too much on convenience items – because, you know, they’re convenient.

Tools – I love new tools, used tools, old tools, broken tools, cheap tools, and expensive tools.  My woodworking skills are minimal, at best, but I love hanging in the shop and building stuff.  The problem is – I’ll buy tools, just to own them.  While not a complete waste, I do have to pace myself.

Fight For Your Independence And Get Out Of Debt

Let’s not wait until January 1st to focus on getting out of debt.  It’s July – It’s time.  Fight for your independence-  and get out of debt, today!

No doubt, a little dramatic, but you get the point.  Today is the day to start planning for tomorrow.  Here’s how I paid off my consumer debt – including credit cards and an automobile loan – plus some tips and tricks I’ve learned along the way.

Stop Borrowing – This is the key, first step.  Put the credit card in the wallet, and stop using it.  You don’t have to cut it up, or freeze it in a bucket water.  Make a decision to stop going deeper into debt – and then work hard every day to honor that decision.

How To Stay Motivated While Getting Out Of Debt

Let’s be real.  The idea of getting out of debt sounds awesome.  The day-to-day grind of getting out of debt… not so much.

Here’s how to stay motivated while getting out of debt -

Celebrate Your Progress – Check those numbers and get excited about the amount of debt you have already paid off!  For our family, we are working to pay off our mortgage (update this week!) – and while our progress has been a little slower than we had hoped – we are 1/4 of the way there!  It’s super-motivating to see just how far we have come.

Envelope System Video – Simple Cash Management

I created this video 7  years ago (wow!) to demonstrate my favorite cash management system – the envelope system.

I have been using the envelope system for nearly a decade and it really is a great system for managing cash and household expenses.

Watching this video always makes me smile. The quality is so cheesy-awesome – but the concept is so super-simple. My Dad says that the opening reminds him of Napoleon Dynamite!

Side note -

I’ll soon be making more videos – with improved graphics and audio! – so visit the NCNBlog channel and subscribe!

The channel will focus on money-saving ideas, tips, and strategies, as well as DIY projects, frugal living, and home maintenance. Be blessed.

History Podcasts – My Favorites

It’s been a while since I listed my favorite history podcasts.  There are a number of high quality, entertaining, free podcasts available and these are my favorites:

History Podcasts -

Revolutions – Mike’s awesome podcast, covering the revolutions which shaped the modern world.

The History of Byzantium – This podcast tracks the history of the Eastern Roman Empire.  This is a subject about which I learned very little in school – and I am fascinated by this podcast.  Good stuff.a

Myths and History of Greece and Rome – This podcast takes an in depth look at the Greek and Roman Empires – from their foundations.  I listen for the information – and the awesome accent!

State Park Parking Fees For Parks In All 50 States

Below is a summary of state park parking fees for parks in all 50 states.  This is an update to a summary from 4 years ago.  We love our state parks here in Georgia – and we enjoy visiting state parks when we travel.  I thought this list might be helpful for others.  Information is subject to change, so please check with the individual park you plan to visit, prior to your trip.  For some states, the state park parking fees are referred to as daily-use fees or entrance fees.