Sunday, September 30, 2007

website of the week: collegehelpers.com!

in case you guys don't check my "Budgeting Resources" sidebar for cool links, here's one i don't think should be missed.

CollegeHelpers.com allows you to search for part-time or full-time temporary jobs, internships, seasonal and one-time jobs, or even paid focus groups as posted by employers. best of all it's free for students to sign up! go take a look!

it's a good resource if you need to make payments while in school. :-)

Tuesday, September 25, 2007

coupon site directory

everyone loves coupons, and i'm definitely no exception!

i'm going to share my love for coupons and sales and post coupon websites i think are worthy of your time.

coupon websites

*if you decide to look for coupon websites on your own, be please careful about giving out your email address. a lot of them will ask you to sign up and hand it over, but most WILL sell it to spammers. maybe it'd be best to just give them an email address that is devoted just to receiving spam. :-) all of the sites i have listed here are free and do not require you to sign up to view coupons. however, if you want some added benefits, such as favorite categories, stores, etc. then signing up might be good for you.

Coupon Cabin - coupons, coupon codes, and promotional codes.
Valpak.com - allows you to enter your city, zip code, and/or state and get local coupon listings. also includes a google map of where the businesses are that list each coupon.
Coupon Chief - online coupons, coupon codes, and online shopping discounts and deals.
Retailmenot.com - coupon codes for thousands of online stores. it's nice that they allow visitors to verify if the coupon actually works or not. you will also notice a large percentage of coupon codes posted there do not work. sometimes, though, you can filter through and find a working one.
**DealNews - one of my favorite sites that i use. instead of having to visit a million coupon sites, this one gathers coupon codes from all over the internet. you can keep track of your favorite online store coupons either by email or your favorite RSS reader.

if you have a coupon site that you love, share it with me: budgetlife[at]gmail[dot]com.

**will not sell your email address even if you do sign up. they have a trust-e verified privacy statement.

Monday, September 24, 2007

12 easy ways to save energy & the planet

here are some easy ways to save energy, while saving the earth, too!

why should you want to have a more energy efficient home?
  • it saves you money in the long run
  • it increases the value of your home
  • you're doing your part for the world!
now that you've decided you want to make your home greener (because i'm sure you have), here are some easy and simple steps you can take to reduce your electricity bill. while most of these will apply only to homeowners, others can be used by renters as well.

1. Look for EnergyStar certified appliances and lighting.
The typical household spends $1,900 a year on energy bills. With EnergyStar, you can save up to 30% or more than $600 per year.
check out this energy bill pie chart made by EnergyStar. it shows what percentage of each category (ie: electronics, heating & cooling, lighting, etc.) accounts for the average annual energy bill.

2. Reep the benefits of Federal Tax Credits for energy efficient products.

as far as i know, this only applies to those who actually own their property and are able to make structural changes to their home.

keep the receipts of everything you buy that may qualify for the energy efficiency tax credits. you will need to fill out IRS Form 5695 and submit it with your taxes. you will also need the Manufacturer's Certification Statement just in case. it's a signed statement from the manufacturer saying that the product or material qualifies for the tax credit.

also note that not all EnergyStar products are eligible for the tax credit. for a complete list of products that qualify, click here.

3. Inform yourself and fill out a 5-minute energy saving recommendation(s) audit from EnergyStar.

this small form, called the EnergyStar Home Energy Yardstick, just requires the last 12 months of your utility bills. it can help you get some energy saving suggestions for your home.

4. Turn down the temperature of your water heater to 120 degrees F.

most of your daily household needs will not require anything hotter.

5. Replace the light bulbs that you use the most in your home with CFL bulbs.

CFLs use about 75% less energy and last 10 times longer than regular incandescent light bulbs. just make sure to place them in rooms where lighting is on for more than ~15 minutes. otherwise, turning them on and off will significantly shorten their lives. replacing your lighting with EnergyStar certified bulbs can save you more than $65 a year in energy costs.

when deciding on which CFL wattage to get, consult this chart:


please keep in mind CFLs contain a small amount of mercury in them and therefore should be disposed of properly. if one happens to break in your home, follow these EPA clean up guidelines to keep you and your family safe!

6. Install an EnergyStar certified programmable thermostat.


being able to program your heating and cooling when you're not home or are sleeping can save you a bundle. when used properly, a thermostat can save you up to $150 a year.

7. Use window blinds to block sunlight in rooms that are too hot and long, full curtains to prevent a draft in rooms that are too cold.


8. Unplug electrical equipment that's not in use. (ie: Cell phone chargers, video game consoles, etc.)


these things, even though they appear to be off, may still use a lot of energy while in standby mode. prevent this by unplugging them or switching off the surge protector that powers them.

9. Maximize the use of natural lighting in your home.

about 10% of our annual energy bill is used on lighting. use neutral colors for your window coverings to allow more sunlight in. it's free, and on days when it's in abundance, can be just as good as artificial light.

10. Take showers instead of baths.


baths take about 5 more gallons of water than showers. a new showerhead will also save you energy compared to the typical bath or the old fashioned showerhead. this can save you up to $145 each year, depending on how long your showers are, i would think. :P

11. Wash your laundry in cold water.

using cold water instead of hot water can save the average household more than $400 annually, especially if cold water laundry detergents are used.

12. If your computer has a "standby" or "sleep" mode, schedule it to turn on when you're not using the computer.


most computers, such as the entire Apple line, allow you to set sleep mode to come on after a certain amount of minutes that you designate. it uses significantly less energy and still allows you easy access to your computer. and, if it just doesn't get any better, all Macs are EnergyStar certified!

to learn how to do this, visit the Apple website. for Windows XP power management, check out the Microsoft website.

if you'd like to get mathematical about your home energy consumption, here is a list of formulas for estimating energy consumption and typical wattages for various appliances. for specific products, most appliances or electrical products will have a technical specifications page online that usually tells you their typical wattage. try visiting the manufacturer's website or the site of the place you bought it from.

well, i hope my compilation helps you in some way. let's try to be courteous to mother nature, too!! she's our only home. :-)

[via Energystar.gov, eere.energy.gov.]

Sunday, September 23, 2007

website of the week: smartborrowing.com!

i'm starting a 'website of the week' thing so i can be cool 8) and tell you guys about neat websites i find or hear about! so here's my first one. :-)

from the SmartBorrowing website:
With the cost of college rising, SmartBorrowing.com is designed to give you a simple step-by-step guide to help you navigate through the process of how to pay for college.
it's a pretty little website, that has some simple yet important facts about saving and paying for college. it's not very big and it only takes around 10 minutes to navigate the whole thing, so you should check it out.

Thursday, September 20, 2007

solar powered what?

nope, i haven't died yet so here is a new post. :-)

alternative energy can save you ($$$) and the environment!

with all the technology we use today—computers, TVs in every room of the house (if you have your own place or are at home, anyway…), stereos, etc. one of our most expensive utility bills comes up to be, with no surprise, our electric bill!

but what if you could reduce that amount, just by shopping for a different kind of product? (this sounds like an infomercial, and I apologize...)
Solio Universal Hybrid Charger
I’m not talking about the $20,000+ solar panels that only the well-off can afford... think a little smaller. at first, I didn’t think any kind of solar powered appliances would help, but we never really think of how often we use even the smallest of appliances!

I came across this idea of solar powered appliances when I found this really cool water powered alarm clock from thinkgeek.com! it seems that solar powered gadgets are more popular in the UK though, and therefore some of the neatest gadgets are only available in Europe. :’-(


here’s a list of some of the gadgets I have found that seem to be useful! you can easily spend hundreds of dollars on solar powered equipment… but not only can these things save you a good amount of money in the end, they are good for the environment, too! yay! :-)

this list will probably be updated and added to over time. it's organized from cheapest (top) to most expensive (bottom of the list!). if you feel like contributing, please email me at budgetlife[at]gmail[dot]com. in addition, if you have any experience with any of the following products on this list, let me know! thank you!

Solar Powered~Renaissance Lantern with Flickering Light

OutdoorsBattery Chargers
Water Powered~

Alarm Clocks
you can also use this nifty little tool to determine how many watts an item uses and it’ll calculate for you how much (estimated) electricity the item will use per month and how much it’ll cost!

Watt’s Up Pro - $129.99

Do-It-Yourself!~

there's even a tutorial on energyrefuge.com that tells you how to build your very own solar power generator for around $350 (depending on the materials you buy.). check it out here! just a little warning, i don't know how safe this is if you don't know what you're doing...

if you don't like the idea of messing around with materials of an electrical capacity, consider buying a solar power generator kit from go solar. :)

they range in price from $427 to $1252, depending on how much power you want it to provide your household. the even higher end ones are $2,000 and up. i'd wait on those... they are reasonably priced considering the savings on your electricity bill, but not everyone can dish out that kind of cash.

you can start small with the portable solar generators and work your way up!

if you're interested in more DIY solar projects, check out this nifty little website: http://www.builditsolar.com/.

i hope that's enough to keep you busy and researching for a little while. ;-)

my next entry will probably be about energy saving for your space if you're not too fond of or can't do the solar idea... so stay tuned! :-D

Saturday, September 8, 2007

The new way to borrow money: People-to-people lending!

that's right, Prosper.com, a website unlike any other on the Web (2.0), offers borrowing and lending for anyone that signs up! you can either make a listing for money, where other people can bid on your listing (and pick an interest rate they think is fair) or you can lend money and bid on listings you think deserve your hard earned moolah! (and are safe!) it's free to sign up, and you can borrow up to $25,000.

fees apply for using the service, and they are as follows:
  • borrower fees: 1%-2% closing fee (depending on your credit grade)
  • lender fees: 0.5%-1% annual loan servicing fee (depending on your credit grade)

for more information on their fees, (which seemed to be pretty hard to find... :-P) click here.

if you have good credit, it's a great website to use to consolidate your debt... but with students like me who have little or no credit history, it may or may not be something we're looking for. check it out anyway, although i'd recommend not borrowing money from there until you have done your loan research! it seems pretty safe to use, but i'd be careful!! websites like this make it too easy to borrow money...

if you absolutely need to get a personal loan, compare local rates here.

don't know what a personal loan is or entails? find out and learn what to look out for when shopping for one.