Emergency Fund: Why Every Homeowner Needs One

I’ve written a few posts about our home maintenance costs and surprise repairs that have been needed for our home in the past year.  Last year we had to replace our air conditioning and water heater.  Just a couple of weeks ago we had to replace the sump pump.  The total cost of these repairs was $2,125. Thank Goodness for our Home Emergency Fund As a homeowner it is essential to have an emergency fund.  If it wasn’t for our emergency fund we would have incurred additional debt to pay for those home repairs.  And who wants that?   We’re in the process of … Continue reading

Cell Phones and Sump Pumps

As I wrote about in my Lesson Learned in 2013 post this year we plan on making the switch from Verizon Wireless to another cell phone provider as our contracts are up and we are paying way to much for their service.  I got some great tips from readers on which plans to consider which I shared with you here. We have now made our choices on which plans we will be switching to. But first here’s an update on the sump pump situation. Update on the Sump Pump Last week I wrote about the growing pains of homeownership and I mentioned … Continue reading

The Growing Pains of Homeownership

The Snow Storms My homeownership experience this week has been all about worrying. We have been dealing with the wild swing in temperatures including the extreme polar vortex as many of you have.   It’s only the 3rd week of winter and we’ve already had five snowstorms! We don’t have a snow blower so we have been shoveling all of it and I’m pretty much done with it. We also ran out of all the bags of ice melt we bought as each storm uses an entire bag for our property.  This can get costly if the storms continue to … Continue reading

Important Tips to avoid Frozen Pipes in your Home

As most of you know the major part of the United States is being blanketed by arctic temperatures right now. The low today in my town was 3 degrees with a wind chill factor of -15.  The same is expected for tomorrow. While watching the local news a report came on about how homeowners could avoid frozen pipes during this extreme cold spell.  I had been concerned about this myself since this is my first time dealing with such low temperatures as a homeowner.  I wrote them down and thought I would share with all of you. Here are the … Continue reading

Looking Ahead to 2014

Last week I wrote about Lessons Learned in 2013 and how this year we plan to continue finding ways to save money by reducing our expenses.  This will help us payoff our credit card debt sooner and build a healthier emergency fund. I stated that we will be focusing on two key areas in 2014, groceries and cell phones, and asked for some tips from our readers.  Below are the tips we received in the comments. 1)  Tips on Reducing  Grocery Bill Go grocery shopping every other week and make a list of things you need Go shopping alone Save money … Continue reading