Here in Indiana winter is in full force. Judging by the national news, many people are experiencing the first big chill of the year. In honor of the cold months, here are some tips from the Department of Energy to save money during the winter months.

  1. Use a programmable thermostat – Set the temperature lower while you sleep and while you are at work.
  2. Use LED Holiday lights – These lights are 75% more efficient and last 25 times longer than traditional holiday lights.
  3. Lower the setting on the hot water heater – It doesn’t need to be scalding hot, and if you are traveling it can be kept on its lowest setting.
  4. Adjust the blinds – At night keep them closed to help insulate and during the day keep them open to let in the warm sunlight.
  5. Unplug your electronics – Even when they are turned off, these devices can draw electricity.

Take care this winter and stay warm!

Now for the best tips from the around the web on earning more money and spending less…


Andy Prescott @ Art of Being Cheap writes Why credit cards are the best way to pay – The fact of the matter is that credit cards are the best way to pay for all of your purchases. They are the most convenient way to pay, they are the cheapest way to pay, and they are the safest way to pay.

Alexa @ Single Moms Income writes My Work at Home Truths – It has officially been one month since I quit my job to work on my online businesses. Over this past month I have had some revelations.

Bryan @ Gajizmo writes Easy Jobs That Pay Well – Tired of stressful 80-hour work weeks? Maybe self-employment or entrepreneurship isn’t for you either? Ever wonder how some people you know make a great living at a cushy, easy job? Check out this list of the easiest jobs that pay well. You’ll be surprised what you find.

Miss T. @ Prairie Eco Thrifter writes How Social Media Can Help Your Career – Social media allows you to see whenever somebody gets a promotion or changes a job, and helps you keep those connections strong. Your network can do a lot for you during the course of your career, so it’s important to maintain it.

Pauline @ Make Money Your Way writes Is blogging a MLM scam? – Does selling products on your blog for other people to succeed in making money online make you a scammer?

Jon @ Modest Money writes How Multiple Streams of Income Lead to a Flood of Wealth – Multiple income streams afford you the luxury of retiring when you chose to not to mention the added layer of security where your main source of income is concerned. Think different. Act Different. Establish worthy income streams and probably even retire early!


Syed @ The Broke Professional writes Student loans: Set it and forget it? – Is it better to just make minimum payments on your student loans and coast until the end or would it be more prudent to pay them off as aggressively as you can?

FI Pilgrim @ FI Journey writes Avoid Overspending When Throwing A Pity Party – Do you have a tendency to spend money when you are having a pity party? Trying to make up for lost time, or make yourself feel better?

Ben Luthi @ The Wealth Gospel writes Rules of Thumb to Ignore – Rules of thumb can be helpful when you’re just starting to learn how to deal with your finances. But for some people, they can be holding you back from reaching your potential.

Pauline @ Reach Financial Independence writes Nice try, Amazon… – I saw that lovely model by Samsonite. WOW, discounted from $200!! I would save 69% according to Amazon!

Matt Becker @ Mom and Dad Money writes What to Look For in a Disability Insurance Policy – There are a lot of variables to consider when looking at disability insurance, and with all of the different terms it can quickly get confusing. Today I’d like to explain some of the most common and important characteristics of a disability insurance policy so that you can make a more informed decision when evaluating your options.

Little House @ Little House in the Valley writes Save Money: Fix Those Leaks! – Water is a precious resource and DIY plumbing can be disastrous, but sometimes you can save money and do it yourself.

Grayson @ Debt Roundup writes Dear Verizon, This Is Our Final Goodbye! – After 14 years of being a loyal Verizon customer, I have decided to move on. After multiple price increases, I realized there were many other options that would cost me much less. I left Verizon for a no-contract plan and brought my wife with me.

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