With energy costs expected to increase by as much as 70% in some areas of the nation, energy conservation has become a hot topic. We live in Wisconsin in a 93 year-old house, so the 60% increase in natural gas prices that is expected is definitely something we need to think about.
WSJ’s Real Estate Journal has an article about some new products, and some old products that have been reinvented, that can help save energy costs. Some require large cash outlays (tankless water heaters), while others just require a few bucks and some elbow grease (caulk).
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The most important key to the effective management of money involves time. The more time that you are capable of investing in the management of your affairs, the greater the return will be as a result of your investment. The earlier that you begin to manage your money, the more effective you will be when it comes to accomplishing your goals. There are too many people who try to go about managing money when it is too late in their life, and managing the money you have left is not as effective as managing your money as it comes in. In essence, there are four different questions that need to be answered by any money management programme that you participate in.
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