By Tom Twardzik

You've probably resolved at least once in your life to commit to a budget and reduce expenses in your home. But the changes that spring to mind—cancelling TV packages, lowering the heat and A/C, etc.—sound uncomfortable and difficult. However, it's surprisingly easy to make small, simple changes in your home and routine that add up to major annual savings.


Utilities

Heating, cooling, electric and water are some of the major costs of owning a home but these important functions can offer savings through small changes without sacrificing comfort. Lower the thermostat in the winter and raise it in the summer—holding it nearer to 68º and 78º will make a big difference in how much energy your home requires. Ceiling fans will boost your A/C immensely (while you're in the room) and weatherstripping around doors and windows will keep the heat in. Speaking of A/C, make sure you perform regular maintenance on air conditioning units inside and outside the house to keep them efficient and avoid larger repairs. Using Energy Star appliances—washers and dryers, dishwashers, refrigerators and others, in addition to A/C units—will help you save money in the background, too. Maintain the furnace, too: clean or replace its filter and perform any repairs immediately.

Bathroom and kitchen

In the bathroom, cut a minute off of your shower time and if that seems too easy, try shortening by two or three minutes. Switch to a low-flow showerhead to save a few extra dollars. An awesome toilet tip that's worth almost $50/year: fill a medium-sized water bottle with water and put it in your toilet tank to trick the toilet into using less water per flush. Switch to generic cleaning supplies to save money every time you're at the store.

You should insulate your hot water heater with a blanket or fit it with a timer to reduce its energy consumption. Washing clothes in cold water and air-drying them avoids hot water altogether and also cuts down on electricity usage.

In the kitchen, install a water filter on your sink (unless you live in an area with clean tap water) to banish plastic bottles from your grocery list and garbage can. Another surprising way to lower energy costs in the kitchen is to cook in the microwave or toaster rather than the oven. It also avoids producing unwanted heat in the summer.


Around the house

Further reduce your electric bill by moving lamps, TVs and other heat-generating objects away from thermostats, especially A/C thermostats. The heat their operation will make your air conditioners think it's hotter than it really is in your home. And, believe it or not, those phone chargers (and other things) are leaking electricity when they're not being used. Save yourself the trouble of unplugging them by strategically placing a power strip and flipping them all off with one switch.

Depending on your home and situation, it might be wise to invest in a programmable thermostat or, even, a "smart" one. Then, set it to "away" mode and feel even better about leaving home to work or explore. And, of course, switch to CFL or LED bulbs. LEDs are better for lights that you turn off and on frequently, as this can shorten the lifespan of standard CFLs.

Now might be the time to revaluate your cable package. With so many networks offering their own streaming options, your cable subscription might not be the best value anymore. Your desperate cable provider might also be willing to negotiate before you leave them entirely. For basic cable channels, buy an indoor digital antenna and enjoy up to twenty free, HD channels. By selecting only the premium services you actually watch, you might find some savings. If you're sick of Netflix's rising prices, try your super-free public library's DVD section.

Cooking

Smart grocery shopping is where you could find some of the biggest savings. Focus on value foods—ingredients with the most nutritional value for the best price—such as brown rice, canned beans, eggs, kale, lentils, sweet potatoes, frozen vegetables, apples and bananas. Shops sale items on the weekly circular and compare local stores for the best price in a given week.

Finally, make your own coffee. And when you do treat yourself to Starbucks, order wisely. This might be one of your biggest sources of savings, depending on your habits.

Tom Twardzik is a writer covering personal finance, productivity and investing for Paypath. He also contributes pop culture reviews for Popdust and travel writing for The Journiest. Read more on his website and follow him on Twitter.

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Over two years into the most momentous event in our lives the world has changed forever … Some of us have PTSD from being locked up at home, some are living like everything’s going to end tomorrow, and the rest of us are merely trying to get by. When the pandemic hit we entered a perpetual state of vulnerability, but now we’re supposed to return to normal and just get on with our lives.

What does that mean? Packed bars, concerts, and grocery shopping without a mask feel totally strange. We got used to having more rules over our everyday life, considering if we really had to go out or keeping Zooming from our living rooms in threadbare pajama bottoms.

The work-from-home culture changed it all. Initially, companies were skeptical about letting employees work remotely, automatically assuming work output would fall and so would the quality. To the contrary, since March of 2020 productivity has risen by 47%, which says it all. Employees can work from home and still deliver results.

There are a number of reasons why everyone loves the work from home culture. We gained hours weekly that were wasted on public transport, people saved a ton of money, and could work from anywhere in the world. Then there were the obvious reasons like wearing sweats or loungewear all week long and having your pets close by. Come on, whose cat hasn’t done a tap dance on your keyboard in the middle of that All Hands Call!

Working from home grants the freedom to decorate your ‘office’ any way you want. But then people needed a change of environment. Companies began requesting their employees' RTO, thus generating the Hybrid Work Model — a blend of in-person and virtual work arrangements. Prior to 2020, about 20% of employees worked from home, but in the midst of the pandemic, it exploded to around 70%.

Although the number of people working from home increased and people enjoyed their flexibility, politicians started calling for a harder RTW policy. President Joe Biden urges us with, “It’s time for Americans to get back to work and fill our great downtowns again.”

While Boris Johnson said, “Mother Nature does not like working from home.'' It wasn’t surprising that politicians wanted people back at their desks due to the financial impact of working from the office. According to a report in the BBC, US workers spent between $2,000 - $5,000 each year on transport to work before the pandemic.

That’s where the problem lies. The majority of us stopped planning for public transport, takeaway coffee, and fresh work-appropriate outfits. We must reconsider these things now, and our wallets are paying

the price. Gas costs are at an all-time high, making public transport increase their fees; food and clothes are all on a steep incline. A simple iced latte from Dunkin’ went from $3.70 to $3.99 (which doesn’t seem like much but 2-3 coffees a day with the extra flavors and shots add up to a lot), while sandwiches soared by 14% and salads by 11%.

This contributes to the pressure employees feel about heading into the office. Remote work may have begun as a safety measure, but it’s now a savings measure for employees around the world.

Bloomberg are offering its US staff a $75 daily commuting stipend that they can spend however they want. And other companies are doing the best they can. This still lends credence to ‘the great resignation.’ Initially starting with the retail, food service, and hospitality sectors which were hard hit during the pandemic, it has since spread to other industries. By September 2021, the US Bureau of Labor Statistics reported 4.4 million resignations.

That’s where the most critical question lies…work from home, work from the office or stick to this new hybrid world culture?

Borris Johnson thinks, “We need to get back into the habit of getting into the office.” Because his experience of working from home “is you spend an awful lot of time making another cup of coffee and then, you know, getting up, walking very slowly to the fridge, hacking off a small piece of cheese, then walking very slowly back to your laptop and then forgetting what it was you’re doing.”

While New York City Mayor Eric Adams says you “can't stay home in your pajamas all day."

In the end, does it really matter where we work if efficiency and productivity are great? We’ve proven that companies can trust us to achieve the same results — or better! — and on time with this hybrid model. Employees can be more flexible, which boosts satisfaction, improves both productivity and retention, and improves diversity in the workplace because corporations can hire through the US and indeed all over the world.

We’ve seen companies make this work in many ways, through virtual lunches, breakout rooms, paint and prosecco parties, and — the most popular — trivia nights.

As much as we strive for normalcy, the last two years cannot simply be erased. So instead of wiping out this era, it's time to embrace the change and find the right world culture for you.

What would get you into the office? Free lunch? A gym membership? Permission to hang out with your dog? Some employers are trying just that.

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Did you hear about the Great Resignation? It isn’t over. Just over two years of pandemic living, many offices are finally returning to full-time or hybrid experiences. This is causing employees to totally reconsider their positions.

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