You can lower your energy bills and reduce your carbon footprint by replacing incandescent bulbs with CFL bulbs. These newer bulbs are more energy efficient and last a lot longer. You'll even save money by replacing the bulbs less often.
Many people underestimate just how much energy and money can be saved by using more efficient light bulbs. And hey, you'll end up replacing them less often too.
7Free Checking Accounts
Ensure that your checking account is free. Online banks and credit unions offer free checking accounts. Local community banks are also an option.
8Think Twice About Using Credit
The suggested way to avoid ruining your finances with dangerous credit debt is to avoid going down the path of credit from the beginning. Take a step back and think about it before you put something on your credit card. Consider the time it will take to pay it off. If you can't pay it in full and you know this, avoid it.
David Baker is a resident of Houston, Texas. He's a huge tech geek, loves frequent travel, and most importantly basketball (go Rockets!). His passion for guiding others has been deep-rooted all his life.