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Every Day

Watching The Large Expenses

I have always said that watching the small expenses is extremely important. Those small ones add up to huge amounts in one year’s time. They can sink your entire budget.

But you also have to watch the large expenses. You may have a mortgage or a home equity loan and could find the money to pay a little extra on the principal each month. This will not only pay off your mortgage early but save you a fortune in interest charges. 

Saving up the cash to buy a new or used car will save you the interest that a car loan will cost.

Watching your grocery budget each month by shopping sales and menu planning will keep you from wasting many dollars.

But one of the largest expenses you have every year are your utility bills. They cost a fortune. It is a battle for us to keep them low. 

We just got our one month gas and electric bill. We  had frigid temps here this past month and I was expecting our bill to be quite large. It didn’t disappoint. The electric portion of our bill was $ 82.10 for 645 KWH. The natural gas portion of our bill was $ 177.24 for 198 CCF’s. Then the company charges us a $ .87 payment charge just to issue the bill and post the payment which I find ludicrous. But NYS allows it. So the total bill was $260.21 for 33 days with an average daily temperature of 24 degrees fahrenheit. It was one of the highest winter bills that we have ever had since we moved back to New York. 

Of course, the company gets a rate increase every year or two because we all know the price of everything always goes up. So between the rate increases and the cold temperatures in the winter and warm ones in the summer, it is an every day battle to keep these bills down.

The last twelve months have cost us $ 2216.33 in just electricity and natural gas.

You all know that we do our best to try to do everything to cut these costs. This winter, we added a storm door to our leaky back door. I closed off 2 bedrooms by closing the heating vents in those rooms so that they don’t cost a fortune to heat when no one is using them. I use cloth snakes against our basement doors to keep that cold air down there. I also put one on the bottom of our back door since we don’t use that door during the winter so it doesn’t have to be moved every time we go in and out.
 

And we try to watch all of the things that I have written about before: herehere, and here, .

I wish I could turn the heat down but Hubby is always cold. We keep the temp at 71 during the day in our home and even with that Hubby wears a sweatshirt jacket and sometimes a winter jacket in the house. He is always cold. 

I do a pretty good job on the electric bill by washing clothes in cold water and hanging laundry. If I use the dryer, I use my wool balls to save on that energy.  I also try to use small appliances as much as I can to save on that bill because they are cheaper to use. 

We keep lights turned off in the daytime unless it is a dreary day and we need them to read. I try to keep the energy saving shades down in the winter. I defrost my chest freezer when it needs it so that it runs more efficiently. We use power strips on some of our TV’s so I can turn them totally off at night. It is too hard to get everything plugged in that we have in the great room behind the cabinet so we don’t do that one.

When I cook. I try to keep covers on pans especially when I cook on the gas stove. There are so many things that I do that I can’t remember them all.

I hope I am not missing anything but I would love to hear how you keep your utility bills down. Could you please share with me and everyone who reads here how you do it by leaving a comment. I will be checking them during the day to get them posted right away so that they can help other people.

 

Categories
Every Day

A Little Of This And A Little Of That

Well, what have we been up to the last couple of weeks?  We have been hiding in the house except to go to Doctor’s appointments, one trip to the grocery store and to shop for an appliance. It has been freezing cold here and we have been dealing with one storm that dumped 18.5 inches of snow on us and it seems to have snowed every night since. Lake effect seems to be in full force. When is Spring going to get here?

My almost nine year old microwave bit the dust about a week ago. We had our local repair people come out to look at it on Thursday at the same time the cable people came to deal with an issue.  Dan, the repair man, determined that the magnetron was dead. So it is going to be taken out. After paying $86. for the service call, he told us that the new magnetron, service call for the repair, and taking out the old one and installing the new one would be over $300. We said no. It wasn’t worth putting that into a 9 year old microwave.

So Hubby and I went shopping and purchased a new one which will be installed sometime this week. It cost a lot more than the repair but it is new.  I never really thought I would miss a microwave but it seemed like I have needed it a lot. I don’t like heating up leftovers on the stove or in the toaster oven. I was also extremely happy that we have funds tucked away for appliance replacements so we didn’t have to think twice about buying a new one.

On Thursday, I finally went to the grocery store after not going almost two weeks. I am very thankful for my stockpile. We needed a few things since we are going on the South Beach Diet. So I picked up some fresh vegetables, Canadian bacon, I Can’t Believe It’s Not Butter Sprays, Smart Balance, egg beaters, mozzarella sticks, shrimp, and frozen spinach. My total bill came to $ 46.00. So after picking up some sausage a while ago and this bill, I have $160.98 left of my $300. grocery budget for the rest of January. It really does pay to stay home and not grocery shop. Since I will not be going shopping until a week from next Tuesday, the leftover money will be used in February. I will just get enough money at the bank to bring the grocery budget back up to $300.


We got a pleasant surprise yesterday. We were figuring our electric and gas bill was going to be extremely high because of the temperatures being below zero to about 20 here the last couple of weeks. So we were ready for a $250. to $260. monthly bill.  Our bill was $ 221.22. It was $15.21 less than the same bill last year even though it has been a lot colder and even though there has been a rate increase during that year. We used 100 less KWH and 50 less therms of gas. So being diligent about conserving has again paid off. 

So many times, I have told you that it pays off to take the time to write companies. Well look what I got in the mail a few days ago from Chobani. They sent these because I e-mailed them to tell them how much I love their yogurt. Not only did they send seven coupons but they sent a beautiful Thank You note for taking the time to write them.


Other than these things, we have just been cleaning, cooking, watching some movies, and playing cards. Nothing really exciting.
This is what we do in the winter when we are stuck in the house.

My son and West are coming to visit and have breakfast this morning. We have not seen them in a while because of the snow.
West’s birthday was last weekend and I still have his gift sitting here. He is going to love it even though it is a week late. I can’t believe that he is 9 already.  


I really am missing my son, DIL, and granddaughter. I wish that the airline would start up the flights to where they live again. It would be so easy to jump on a plane for 45 minutes and go visit. It beats driving in this weather. 


I hope you are all well and staying out of the cold if you are up north. Hopefully spring will be here in a couple of months.