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And installing an on-demand or tankless water heater can deliver up to 30 percent savings compared with a standard storage tank water heater. Lowering the thermostat on your water heater by 10☏ can save you between 3-5 percent in energy costs. You could save thousands in utility costs over time.

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This will range from easy improvements like sealing windows and doors all the way to installing new insulation, siding or ENERGY STAR high-efficiency appliances and products. Call your utility company and ask for an energy audit or find a certified contractor who can give you a whole-home energy efficiency review. Let's face it, utility costs seldom go down over time, so take charge now and weatherize your home. If you can't drive the distance, look for cheap flights in your region.

Though the term may be trendy, the thought behind it is solid: instead of dropping several thousand on airline tickets overseas, look in your own backyard for fun vacations close to home. According to the Centers for Disease Control, the percentage of Americans who smoke cigarettes is now below 20 percent for the first time since at least the mid-1960s - join the club! 5. No, it's certainly not easy to quit, but if you smoke a pack and a half every day, that amounts to nearly $3,000 a year you can realize in savings if you quit. Whether it's $50 every two weeks or $500, don't cheat yourself out of a healthy long-term savings plan. Set up an auto debit from your checking account to your savings account each payday. Use Regions savings calculators to make your goal! 3. Want to buy a house in three years with a 20 percent down payment? Now you have a target and know what you will need to save each month to achieve your goal. If you need motivation, set saving targets along with a timeline to make it easier to save. One of the best ways to save money is by visualizing what you are saving for. A personal line of credit is just one option for consolidating debt so you can better pay it off.

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Once you're free from paying interest on your debt, that money can easily be put into savings. Not convinced? Add up how much you spend servicing your debt each month, and you'll quickly see. If you're trying to save money through budgeting but still carrying a large debt burden, start with the debt. Use these money-saving tips to generate ideas about the best ways to save money in your day-to-day life. And whether it's by denying yourself that $4 mocha latte once a week or putting off an exotic family vacation, everyone has their own way to save. Testimonials appearing on this website may not be representative of other clients or customers and is not a guarantee of future performance or success.We all want to save money. There are numerous other factors related to the markets in general or to the implementation of any specific trading program which cannot be fully accounted for in the preparation of hypothetical performance results and all which can adversely affect trading results. for example, the ability to withstand losses or to adhere to a particular trading program in spite of trading losses are material points which can also adversely affect actual trading results. In addition, hypothetical trading does not involve financial risk, and no hypothetical trading record can completely account for the impact of financial risk of actual trading. One of the limitations of hypothetical performance results is that they are generally prepared with the benefit of hindsight. no representation is being made that any account will or is likely to achieve profits or losses similar to those shown in fact, there are frequently sharp differences between hypothetical performance results and the actual results subsequently achieved by any particular trading program. Hypothetical performance results have many inherent limitations, some of which are described below. Past performance is not necessarily indicative of future results. Only risk capital should be used for trading and only those with sufficient risk capital should consider trading. Risk capital is money that can be lost without jeopardizing ones’ financial security or life style. An investor could potentially lose all or more than the initial investment.

Futures and forex trading contains substantial risk and is not for every investor.