March 2014

Tips On Ways to Save Money

  • Plan gift-giving well in advance. That will give you time to decide on the most thoughtful gifts, which usually are not the most expensive ones. And if these gifts are products that must be purchased, you will have the opportunity to look for sales.
  • Socialize at pot-luck meals rather than at restaurants for huge savings.

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Feb 2014

Tips On Ways to Save Money

  • Ask your local electric or gas utility for a free or low-cost home energy audit. The audit may reveal inexpensive ways to reduce home heating and cooling costs by hundreds of dollars a year. Keep in mind that a payback period of less than three years, or even five years, usually will save you lots of money in the long-term.
  • Weatherproof your home. Caulk holes and cracks that let warm air escape in the winter and cold air escape in the summer. Your local hardware store has materials, and quite possibly useful advice, about inexpensively stopping unwanted heat or cooling loss.
  • Use window coverings to block or let in sunshine. In summer, use these coverings to block sunlight, keeping your house cool. In winter, open the coverings to let sunshine warm the house. You could easily save more than $100 annually while being more comfortable.   See more here

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January 2014 Newsletter

Tips On Ways to Save Money

  • Substitute coffee for expensive coffee drinks.The $2 a day you could well save by buying a coffee rather than a cappucino or latte would allow you, over the course of a year, to completely fund a $500 emergency fund.
  • Bring lunch to work.If buying lunch at work costs $5, but making lunch at home costs only $2.50, then in a year, you could afford to create a $500 emergency fund and still have money left over.
  • Eat out one fewer time each month.If it costs you $25 to eat out, but only $5 to eat in, then the $20 you save each month allows you to almost completely fund a $500 emergency savings account.
  • Shop for food with a list and stick to it.People who do food shopping with a list, and buy little else, spend much less money than those who decide what to buy when they get to the food market.The annual savings could easily be hundreds of dollars.

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December 2013 Newsletter

Tips On Ways to Save Money

  • Take the amount the item costs and divide it into your hourly wage. If it’s a $50 pair of shoes and you make $10 an hour, ask yourself, are those shoes really worth five long hours of work? It helps keep things in perspective.
  • Aim for short-term savings goals, such as setting aside $20 a week or month rather than long term savings goals, such as $200 over a year. People save more successfully when they keep the short-term goal in sight.
  • Save money by buying items online, in bulk. Some companies even offer free shipping on large orders. Clearance items are sometimes available, and good savings can be found on non-perishable groceries and diapers. This saves time and money!-See more here

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November 2013 Newsletter

Tips On Ways to Save Money

  • Most people don’t track what they spend and may not realize when expenses add up to more than their budget can handle. To keep track of what I spend, I put what I think I should spend for the month on transportation, food, entertainment, etc., into envelopes. This helps me avoid buying things I don’t need, and what’s left over goes into saving.
  • Take advantage of discounts and/or incentive programs provided through your employer. For example, the company I work for offers discounted rates for computers, fitness center memberships, movie tickets and passes to summer festivals. Check your corporate intranet or talk to your human resources representative. And don’t forget the best deal of all – investing in your 401(k)!
  • One way to establish a savings discipline is to “save” an amount equal to whatever is spent on nonessential indulgences. Put a matching amount in a cookie jar for expenditures for beer, wine, cigarettes, designer coffee, etc. If you can’t afford to save the matching amount, you can’t afford the $4 super almond low-fat latte. - See more here

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October Newsletter 2013

Tips On Ways to Save Money

  • Use debit and credit cards prudently. To minimize interest charges, try to limit credit card purchases to those you can pay off in full at the end of the month. If you use a debit card, don’t rely on an overdraft feature to spend money you don’t have. With either approach, you’ll have more money available for emergency savings.
  • Are you looking for an effective way to establish a budget? Beginning on the first day of a new month, get a receipt for everything you purchase. Stack and review receipts at the end of the month, and you will clearly be able to see where your money is going.
  • It pays to practice preventative dental care, since a good cleaning routine helps prevent fillings, root canals, and dental crowns, which are expensive and no fun.

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September Newsletter 2013

Tips On Ways to Save Money

  • Save your loose change. Putting aside fifty cents a day over the course of a year will allow you to save nearly 40% of a $500 emergency fund.
  • Keep track of your spending. At least once a month, use credit card, checking, and other records to review what you’ve purchased. Then, ask yourself if it makes sense to reallocate some of this spending to an emergency savings account.
  • Never purchase expensive items on impulse. Think over each expensive purchase for at least 24 hours. Acting on this principle will mean you have far fewer regrets about impulse purchases, and far more money for emergency savings.

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July Newsletter 2013

Energy Saving Tips For Computers

Implementing energy saving tips is important these days because of excess usage and its impact on the environment, as well as high energy costs. These are important factors, but being energy efficient with your computer can also be beneficial to the machine. When a computer is saving energy, it is also saving the system. This is because, especially in summer months, the heat can lead to a huge amount of problems. The fans in the computer will work overtime to try to cool it and can cause damage. To lower energy usage, energy bills, and to be a little kinder to your computer, here are some tips you will want to apply. Continue reading

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June Newsletter 2013

Community Collaboration Provides Permanent Housing Solution
What do you get when you combine a local business with a vacant property, a  community congregation with a heart for mission and a social service organization  committed to providing affordable housing options for families in need? The answer is an amazing collaborative effort with Univest Corporation, Indian Creek Church of the Brethren and Keystone Opportunity Center focused on renovating a three bedroom apartment to be managed by Keystone as a “permanent housing” unit. Continue reading
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May 2013 Newsletter

Kitchen Tips

Some overlooked energy saving tips can be found right in the kitchen with everyday appliances. Since kitchen appliances normally account for about 33% of total household energy bills it is important to make sure you are using them correctly and efficiently.  By using these simple, everyday tips you can help save the planet as well as your wallet!

·         Let your dishes air dry. If your dishwasher doesn’t have an automatic air-dry switch, turn off the control knob after the final rinse and open the door slightly (or better yet hand wash your dishes!) Continue reading

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