How Cigarette Smokers Are Saving Money

There was a time when smoking was the latest cool thing. Big tobacco companies used doctors in their advertisements and everyone thought that was normal. Since then, scientists proved there’s a tight link between smoking and the increasing incidence of lung cancers and other medical conditions. Now we know cigarettes are harmful, yet many of us spend a lot of money on smoking. This is another fact: since they were proven harmful, governments increased their prices in order to determine more people quit this habit. Twenty years ago, you could have bought a pack of cigarettes for less than $2. Today, the same pack costs between $5 and $12, depending on the state you live in.

However, quitting an addiction like this can be very challenging, so many people quit for a while, then restart smoking again, even though they could use that money for something else. Luckily, e-cigs are here to save the smokers. Switching to electronic cigarettes can help you save a good amount of money each month. Depending on how much you use to smoke, you can save anywhere between $100 and $300 or even more, if you are a heavy smoker. Stella Blues STL vapor shop says that they make almost half that off their typical customer.

The good thing about e-cigs is that you make the biggest investment in the beginning, when you buy the e-cigarette or the starter kit. After that, you only need to buy the e-liquid or the cartridges, depending on the e-cig model you have chosen. Anyway, most cartridges cost less than $2 per piece, much less than one pack of tobacco cigarettes. If you used to smoke 20 cigarettes a day, at minimum $6 per pack, you would have spent more than $2,000 a year on cigarettes only. The equivalent expense for e-cig smokers is less than $1,000 per year, even if we assume one cartridge costs $2.50. Considering the cost of a starter kit at about $50, you can easily see that you can save at least $1,000 per year by making the switch from tobacco to electronic cigarettes.

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This was an example of the minimum amount you can save. However, if you choose to buy e-liquid bottles and refillable cartridges, you can save even more money, as you are going to spend less than $1,00 per cartridge refill. Such e-liquids come with other benefits such as the possibility of choosing the flavor and the nicotine concentration.

It is worth mentioning that there are also indirect savings. Since e-cigs are safer and healthier than tobacco cigarettes, you might spend less money on doctors and drugs. Moreover, you won’t need all those mints or chewing gum to get you rid of the unpleasant breath all tobacco smokers have. The air in your home will be cleaner, thus eliminating or reducing the need for air fresheners. Last but not least, you won’t need ashtrays and lighters anymore.

All these may seem minor, but if you do the math, you are going to see how they can easily add up to a nice amount you could use for something else.

Advice On How To Save Money When You Are Heating Your Home

In today’s economy there’s no question that you want to save money wherever there’s an opportunity. If you can make your home more valuable and save yourself more money in the process, why wouldn’t you jump at that opportunity? You can think of being more environmentally friendly as just a bonus on top of all of that.

Using an ethanol fireplace is one of the great ways you can save money by lowering your heating bills, especially during the winter. A home can be a great investment long term for yourself and your family, but it can also be a money pit of unexpected expenses. This is especially true if you have an older home that might not have modern windows, doors, or weather proofing to help out during those long cold winters.

In those cases it is especially important to make your heating as efficient as possible both before the full renovations can be done and also after. You don’t want your paychecks evaporating into the winter air every time you stoke the fireplace or you have to plug and electric space heater in on max.

The first way you save money using an ethanol fireplace is with the fact of using ethanol over regular heating fuel. The truth is that ethanol consistently tends to cost considerably less than heating fuel. This gives you the benefit of not having to pay nearly so much to restock and keep the ethanol burning. Right off the bat that is strong savings that are only going to be stronger every time heating fuel prices start climbing again.

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This ties into reason #2 that ethanol can be used to save you a lot of money and that’s the fact that ethanol fireplaces are far more energy efficient than more traditional fireplaces. Not only do you get more heat out of less fuel burned, but there is also a critical factor to burning ethanol that you need to understand: no smoke or toxic fumes are produced!

With a conventional fireplace that means a chimney or venting system. This means cold air can seep in, and since hot air rises a lot of the heat you produce is going to be wasted because it’s going to move right up the ventilation and outside of the house. Ethanol doesn’t produce those things which means you don’t need open outside ventilation to use an ethanol fireplace.

This is a huge bonus! That means not only does ethanol produce more heat with less fuel, but there’s absolutely no reason to let the cold in or hot air out. Your heat stays in the home longer, less time on means more and longer lasting heat through the day, and it’s a pleasant snowball effect that just continues to save you money versus many of the conventional alternatives.

This also allows you to pick the best centralized spot in the home to have one, or if you find it’s good for an entire floor level you can consider two for a two story home, depending on the layout. With the ability to burn efficiently and not let off harmful smoke, you can put these fireplaces where they will do the most good.

There are a variety of different models, from the conventional version you think of when you hear the word “fireplace” to much smaller portable versions you can think of more like heaters, or at least serving the same function as small portable space heaters.

That means that if most of your house is warm but there’s just one or two rooms that don’t quite get all the benefit, a couple of very small and inexpensive ethanol fireplaces could be the last little piece in the puzzle to keeping your house cozy from top to bottom, in every nook and cranny, and for far cheaper than you ever imagined possible.

Another way to save money with ethanol fireplaces is by taking advantage of any tax breaks, subsidies, or other benefits that allow you to save money on your fireplace. All heating systems eventually have to be replaced at some point, so why not look at see what types of rebates and tax breaks you might get for switching to an ethanol fireplace.

While many people have heard of federal subsidies for more efficient or environmentally friendly energy sources, the truth is there are a wide array of deals on the local, state, and federal level that can help with everything from a direct rebate to being able to write off part or all of the purchase as an expense on your next year’s taxes.

In addition to that, you get to enjoy the benefit of much lower monthly bills because of the low cost fuel and extremely high efficiency that these particular fireplaces offer. The savings will start piling up immediately and the longer you use the ethanol fireplaces over the less efficient alternatives, the higher and higher that savings will grow. Check out fireplaces like these that will save you a ton of money http://www.hometalk.com/6352160/buying-an-ethanol-fireplace-a-worthy-investment-or-no.

An additional bonus is the fact that adding a high quality ethanol fireplace will increase the value of your home. That is never a bad thing, and depending on the model you get, many are portable so even if you move you can go the other way with it and simply take the fireplace with you!

There are many different ways that using an ethanol fireplace can serve the dual role of creating more value for your property and save you a lot of money. This is all in addition to the fact that your winter life is going to have a much higher quality when you can be warm and cozy throughout the winter months without facing the inherent hardships of a tight or strapped budget.

As you can see there are many good reasons for choosing to make the move to an ethanol fireplace, and not a lot of good reasons not to. Do yourself a favor and take a look at what these amazing fireplaces have to offer you!

Complete Guide to Saving Money on Travel

When it comes to saving money while you are traveling, all you need to do is think of how you can save money while you are at home. Many of the same things you do normally can be applied to savings while on the road and vacationing. With a few exceptions, the following tips can be applied to both everyday and vacation life.

Budget, plan, stick to it as best you can, but also be flexible.

Making a plan and setting a budget is one of the biggest ways you can save money. When you set out a series of goals and assign a spending limit to each, or if each has a set cost, you can then have a clear idea of what to expect and how to go about meeting your goal. At home you have bills and needs that play into regular budgeting. Being able to put aside money towards traveling allows you to better plan for the trip. Instead of just saying you want to go somewhere for a holiday and putting aside random amounts of money for it, knowing that you are able to put aside a set amount can give you an idea of how much you have to spend on making it happen. Research the destination, look up costs for multiple hotels and services you may need, set up best and worst case scenarios so you can be prepared for anything in between.

Eat in to be thrifty, dine out with coupons to be savvy.

One of the biggest sinkholes in a vacationing budget is food. If you can prepare and store food in your room then you can save the most money. If you want to go out then be sure to ask the hotel concierge about the best deals in the area and make use of the internet to look up the thriftiest and best eateries in the area. Most areas that thrive on tourism will have website and discount plans aimed at encouraging investment in local businesses. Keep a budget in mind for how much you are able or willing to spend on each meal and stick to it as best you can. The best mix between eating in and dining out is to try and save money on two.

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Rent your luggage

Renting luggage is so much easier then having to buy it and have it sit in the attic forever. I found a site that had a car top carrier for rent and it saved me a bunch of money. Instead of buying one for a crazy amount of money, I was able to rent it for a flat weekly rate.

I hope you take these tips and save some money on your trip!

Auction Finance Options to Help You Get The House That You Need

Getting affordable financing is one of the most difficult things that a person can attempt to do. Depending upon their age, the amount of credit that they have built up over the years, and the amount of debt that they currently have, all of these factors will weigh in when trying to obtain new financing. You could be trying to get a loan from a bank in order to purchase a piece of property that you would like to own, or simply purchase a car, but if your credit rating is not high enough, and your debt to loan ratio is much too high, there are very few companies that will work with you in order to help you get the financing that you need. In this article, we will look at how you can obtain a house with very low interest rate loans provided by financing companies that will work with you every step of the way. This article is going to go very in depth about Property Auction Finance – What You Need To Know.

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Why Credit Matters

The amount of credit that you have is dependent upon how many places you have applied for credit, and also the amount of debt associated with that credit. For instance, if you get credit cards, and you have maxed all of them, you may have access to $20,000 in credit, but since you have no credit left on any of your cards, this means you have a significant amount of debt. By paying this off, you could then apply for more, but it also depends on something called your debt to loan ratio. This means that the amount of existing debt that you have, when compared to the income that you earn every month or year, can play a factor in how much more credit you have access to. Assuming that you have no credit card debt, and you are simply trying to get a mortgage, your credit report may help you obtain this type of financing. However, if you have been late on multiple payments, and the complaints have been funneling in, it’s time to use a professional to fix the situation.

Credit Repair Companies That Work

Once you have found a credit repair company that can help you, one that comes highly recommended on the Internet, or from a friend or family member that have used the same services, this can help you resolve any credit issues that you may have, plus give you the time to pay off any debt that is existing that may inhibit your ability from getting a loan for a piece of property. Once all of this is resolved, you will then be able to apply for a new loan to help you secure the property that you want.

Debt To Loan Ratios Explained

If you are not able to pay off your debt completely, your debt to loan ratio may prevent you from having the financing that you desire. Let’s say that you only make $50,000 a year. You would like to obtain a $200,000 loan to purchase a piece of property. If you have an existing property with $100,000 of debt, this will factor against you because the bank or lending institution will realize that you will be making to loan payments every month, and depending upon how much your payment will be with them, and how much money you actually make a year, it could prevent you from getting any additional lending until the other loan has been paid off, or your credit rating has been repaired.

Working With Auction Finance Companies

There are actually some companies that will allow you to purchase property from an auction and also finance your transaction. Many of these companies, if your credit is good enough, will actually charging less than 1% interest. This is unheard of with most lending institutions which almost always charge 4% or 5% for the loans that they provide you with. This allows them to make a significant amount of money over the life of the loan, essentially keeping them in business. However, by purchasing a property at auction, and getting financing for a company that will give you an extremely low interest rate, this will make it possible for you to obtain a piece of property or home that you can live in and pay a monthly payment that is far less than you would ever achieve with a traditional lending institution or even if you are paying rent on an apartment or home.

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Choosing The Best Property To Buy

Once you have chosen a piece of property to buy, you might want to look at a couple other options. Sometimes we are not able to afford the property that we want, or our credit score or debt to loan ratio can prevent us from having the home that we really want to live in. By using the tips that were provided in regard to fixing your credit score, and also how to find different financing options, you should be able to get the money that you need to purchase the house as long as you are using or working with the right financing company. There are many to choose from, including mainstream banks, credit unions, and even private lenders that are willing to overlook what larger companies focus upon so that you can get your loan. Once you are able to find one of these businesses, and repair your credit and improve your debt to loan ratio, it will be possible to obtain the house that you want.

Once you have done all of your research, and you have decided on a piece of property that you want, if you can purchase it at auction through one of these auction finance companies, you will be able to save a significant amount of money every year. By getting a low 1% or less interest rate, specifically for the amount that you need to acquire the property, you will be on your way toward obtaining the home, and also repairing or improving your credit using the tips we have provided in this article.

Hello!

Hey everyone, John here,

Just wanted to give you all a heads up that my first post is going to be about bridging finance.

Please contact me with any suggestions or questions about the topic so that I can address them in the article! I’ve been spending a lot of time on this since it is going to be my first real post so it should be up in the next couple of weeks!

John