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4 Inexpensive Ways to Enjoy a Holiday Weekend

This article first appeared at U.S. News and World Report Money.

With Memorial Day coming up – and with a summer that has a Fourth of July weekend in the middle and Labor Day weekend on the far end of things – there are many opportunities for people to enjoy the freedom of a three day weekend.

It can be tempting to spend those weekends going on a trip or hosting a big wallet-busting party or heading out for a big round of shopping. Those events, while fun, can really put a pinch on your wallet.

Instead, why not consider options for the weekend that bring lots of social fun, allow you to engage in enjoyable activities, and possibly even help you reshape your life, all without much expense? Here are four great options for your next holiday weekend.

The Air Conditioning Battle

Summer is approaching (though from the unseasonably cool temperatures here, you could have fooled me) and with the approach of summer means summer cooling bills. Many, many households across the United States will be trying to maximize the cooling they can get from their central air units, window air conditioning, and fans in order to minimize their energy bills.

There are a number of steps that are often tossed out there as “standard” advice, such as installing a programmable thermostat, finding the upper limit of what you can tolerate inside, opening windows in the night time to let in cooler air, closing the curtains and/or blinds to block direct sunlight, and so on.

In fact, I listed several of these tips in a recent article, Seven Simple Tactics We Use to Keep Summer Energy Bills Low.

Best Business Credit Cards of 2014

You don’t need to have 1,000 employees and a mahogany-walled board room to reap the rewards from business credit cards this year. Small businesses with few employees, sole proprietors, and independent contractors can all use business credit cards to manage cash flow and earn rewards on their spending.

In fact, even if you don’t have a business set up, you can reap the benefits of the best business credit cards. Yes, that means freelancers, financial advisers, and any other person can potentially qualify for a business card if they are established as a business.

I have been self-employed the majority of my working career consulting and freelancing, and I always use a credit card to keep track of my expenses. I started with a personal credit card, but recently upgraded to the Chase Ink Bold® for my LLC.

What’s Left Behind

Whenever a person makes a significant change in their life, some things are gained and some things are lost. Ideally, the things that are gained outweigh the things that are lost, but that doesn’t mean that the exchange was purely positive.

When changing one’s life, there are some things that are left behind. During the process of changing our financial direction, we lost several things in our lives.

We lost friends. I was pretty tight with a circle of young professionals that would sometimes drink after work and sometimes engage in other expensive activities. Once I became aware of my finances, I was astounded as to how much this group was really costing me, so I inched away from it. I still stay in touch with a few people from those days, but most of the rest are lost to the mists of time.

Reader Mailbag: Graduation Season

What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to five word summaries. Click on the number to jump straight down to the question.
1. Auto refinancing
2. New direction
3. Supporting local businesses
4. “Driving into the ground” perspective
5. Bad neighborhood, cheap rent
6. Ups and downs
7. Credit card debt first steps
8. How is a 401(k) bad?
9. Frozen sandwiches?

Some Thoughts on Marriage and Financial Problems

Sarah and I argue about politics sometimes. We have different perspectives on a lot of political issues and sometimes that will cause us to have rather vigorous debates on things. I tend to be more concerned about civil liberties than Sarah is, for example, and our different feelings on civil liberties and privacy caused us to have more than a few disagreements about Edward Snowden and Wikileaks, for example.

At the end of the day, though, we still care for each other deeply. Our political disagreements – or my disdain for Sarah’s taste in movies or her eye-rolling at my constant suggestion to play more board games – aren’t what makes up the basics of our relationship.

Our relationship is based on other things. We agree fundamentally on how to treat other people. We agree on how to parent our children and how important it is to communicate with each other. We also agree on how to use the resources we share – our money being a major part of that.

Breaking Down Your Dreams

One of my biggest dreams when I was younger was to have a huge house.

When I was a little boy, I used to draw floor plans all the time of a huge house that I would live in. There would be rooms for all of my family members, a giant library, an indoor gymnasium, and many other features.

To me, a home like that wasn’t just a fantastic place to live in. It was also a symbol of being a success. If I had a home like that, I must have been successful at something significant in life. It also represented my ability to take care of the people I love and value the most.

Over time, the core goals remained the same. I still want to be successful at things. I still want to be able to take care of the people I love.

I have other goals, too. I want to be creatively and spiritually fulfilled in whatever I do, for one. I want to raise my children to be successful independent people with strong internal lives.

Seven Simple Tactics We Use to Keep Summer Energy Bills Low

During the winter, we use a number of tactics for maximizing the effectiveness of our energy use. In Iowa, winters can get quite cold – we reached -20 F at our home several times this winter – and knowing how to maximize the energy that your furnace uses can make a huge difference when the energy bill comes.

Now that we’re heading toward summer, the goal is a little different. We want to avoid running the air conditioning and, if we can, find other ways to cut down on our energy spending by taking advantage of summer.

Here are seven things we do to keep our energy bills in check during the warmer months of the year.

Reader Mailbag: Mother’s Day

What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to five word summaries. Click on the number to jump straight down to the question.
1. Saving for a house
2. Partner doesn’t trust banks
3. Minimizing grocery store trips
4. Help with investment risk
5. Home disclosure
6. Copying library audio book
7. Board game advice
8. Yard sale advice
9. Getting odor out of items

Setting Up a Weekly Money Routine

As I’ve mentioned before, I have a weekly routine where I set aside roughly two hours on the weekend to evaluate my to-do lists, take care of some weekly tasks that I’ve overlooked, and do some thinking about my long-term goals and what I’m doing right now to reach them (or not).

Naturally, personal finance is a significant part of that routine. There are several things that I do each week to make sure that our finances continue to flow smoothly.

Here are the personal finance related tasks that make up my weekly money routine.

Pay all bills We pay all of our bills on a weekly basis. If a bill has a due date in the coming week, we pay it. We also fully pay off all credit card bills each week.