Month: April 2019

The Negative Aspects of Debt Consolidation

While debt-consolidation obviously has a positive reputation in regards to being the light at the end of a tunnel for most,there are also some negative aspects to look at as well. Essentially,the purpose of consolidating your debt (including loans,credit cards,and debt from specific bills) is to put it into one number and make it easier to manage.

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It can be a daunting task to think you can pay for your debt if it is spread out in a multitude of areas. Keeping this in mind,here are a few negatives that you should pay close attention to before signing your name on the dotted line to consolidate your debt.

Finding a debt consolidator company right for you

When you are in the market of consolidating your debt,the number of companies available is not the problem that you have to worry about. Finding the right consolidator for you is what will become the major task.

It will be in your best interest if you compare and contrast multiple companies before making a final decision. The interest rates in which you will have to pay can vary depending on the debt consolidator. What you want is the lowest interest rate possible. If you rush too soon you may miss out on a great opportunity to not only pay back your debt,but save money in the long run.

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High interest Rates Can Increase

Unfortunately,it seems that high interest rates are justification of the risk of helping your business. However false this assumption may be,if you miss a payment and do not consult with your debt company or agent specifically to set an alternative payment date,the interest rates could skyrocket even more. This is not a situation you want to be in as you are trying to pay off debt,so make sure that your monthly payments are manageable. In the worse case scenario,call your company and inform them of the situation at the moment.

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Possibility of spending more money than you should

Once you begin to re-build your credit after the consolidated debt the improvements in your score will occur. A top-notch credit score may seem like a number you can get more credit with,but it is important you do not get too comfortable. If you end up spending more money than you are putting towards your debt,then you will simply set yourself up for disaster financially and in regards to your credit score.

It’s that time of year when the temperatures drop and icicle form on the rooftops. We like to find refuge in the comforts of our own home. But,what if our homes aren’t as warm as they should be?

To keep you warm and toasty this winter here are some of the best heating tips to keep your home heated as efficiently as possible.

Fill the Gaps

Before you spend all your money heating your house,make sure your house is sealed.

Check window frames,power sockets,recessed lighting,and door frames — anywhere air could leak out. To find leaks,walk around when the wind is blowing and see if you can feel any gaps.

Another trick is to take a candle and watch the flame. If the flame starts moving horizontally,then you’ve spotted an air leak.

Fill the gaps with caulk or foam strips to seal up the holes in your home.

Insulate to the Fullest

In new homes,insulation is part of the building process. But,the insulation used is usually fiberglass or other cheap materials.

To upgrade your insulation,you can add othertypes of materialsto your attic,unfinished basement,or storage areas.

To add insulation to your windows,you can start by adding a transparent polythene film to your windows and hanging some extra thick curtains.

Set Your Thermostat

Thermostats are self-regulating devices that can keep your home at a constant temperature.

Decide where you want your temperature,set it,then forget it. When you fiddle with the thermostat,you actually use more energy and end up spending more money.

And to save even more money,consider lowering your thermostat at night. Turning it down just a few degrees while the family is sleeping can help you save up to 10% a year.

Turn Down the Water Heater

It takes a lot of energy to heat the water,but the good news is it takes a long time to cool down

To reduce the amount of energy used,turn the water heater down a little. Keeping the water set at 120 degrees Fahrenheit is hot enough for your needs but will end up saving up to 5% of your water-heating costs.

Here Comes the Sun

Even if you don’t have solar panels installed on your roof,you can still use the sun to heat your home in the winter.

Open your south-facing window shades and allow the sun to shine in. If you have stone or tile floors even better as they will hold the heat and then release it slowly.

Just remember to close the shades when the sun goes down. This will help trap the night overnight.

Heat the Rooms You Use

Often there are rooms in a house that aren’t used as frequently as others. If you have a spare bedroom or an office that isn’t used every day,close the vents in those rooms to direct the heat to other rooms.

Bundle Up

If all else fails,bundle up. We’re not suggesting snow bibs and boots,but socks and a sweater can go a long way.

Did you know that if yourfeet are cold,your whole body will feel cold? So make sure to invest in some warm socks to wear around the house.

Keep throw blankets around the house: on couches,in the office,and on your bed. That way you can add an extra layer whenever you are feeling chilled.

Winter Heating Tips

After a long day out and about in the freezing temperatures,you deserve to relax at home. Use these heating tips to keep your house heated without having to break the bank.

And for all your other HVAC needs,Enhanced HVAC. We’re here to make sure you stay comfortable all year round.