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Posts tagged with: 401K

How I will Finish the Year

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How will you finish out the year? Will you spend it celebrating all the wins of the year? Wallowing in the loss? Or are you already forward facing? Ready to leave 2024 in the past and step into what is to come?

For me, I am slowing down this year. Being very intentional about where I allow my mind to linger.
end the year slowly quote

While I may never be able to stop my mind from racing, from making lists, from looking far into the future and attempting to make plans. I can choose different. And this year, I am choosing to slow down this month.

Christmas is different this year. I’ve made no plans, set no expectations, and plan to take the day as it comes.

Since I’ve returned from Texas, I am taking each day as it comes. Trying to sit on decisions and evaluating all options. Not rushing or being ruled by emotions. Nor fear.

The Last Few Years were…

2023 was spent wading through grief and loss. It felt like I was tossed from crisis to loss and then back again, over and over again.

2024 has been spent making strides to regain my equilibrium and rolling around ideas for my future. And the transition to empty nester was complete.

2025 is going to be the year that I make decisions about what this next phase of life will be. I must be wise. And I must not rush.

And that is my focus for this last month of the year. I am going to be still. Be quiet. Be alone. And spend time seeking God’s will, determining what is best and healthiest for me, and perhaps, finding a purpose that I can turn my eye too. I truly do need something outside of my own head to focus on. But I have absolutely no idea what that is to be.

My wish for you these last two weeks – peace, joy, and a gentle ending to the year.

 

How to Save on Energy Bills During the Winter

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Winter often brings colder temperatures—and higher energy bills. While staying warm is essential, there are several strategies you can use to reduce energy usage and cut costs without sacrificing comfort. Here’s how to save on energy bills this winter and create a cozy, efficient home.

1. Upgrade Your Siding

If your home’s exterior is due for an upgrade, consider replacing your siding. Not only does new siding improve your home’s appearance, but it also helps reduce heating costs. In fact, replacing old siding with newer, more energy-efficient materials can help cut heating bills by up to 8%, according to Today’s Homeowner. Improved insulation keeps cold air out and warm air in. This upgrade can pay off by reducing your energy usage each winter, and it’s an improvement future buyers are likely to appreciate as well.

2. Insulate Your Windows with Curtains and Blinds

Windows are one of the main areas where homes lose heat in winter. Using curtains and blinds strategically can help manage indoor temperatures and energy costs. Keeping curtains or blinds closed in the evening reduces heat loss by around 10% in rooms where they’re drawn. During the day, open them to let sunlight warm the room naturally, then close them as temperatures drop. This approach not only cuts down on heating needs but also adds an extra layer of insulation, keeping your rooms more comfortable throughout the season.

3. Use Programmable Thermostats for Better Control

Programmable thermostats allow you to set your heating schedule based on when you’re home and when you’re away. By lowering the temperature when no one is home or during the night, you can significantly reduce your heating costs. Setting the thermostat a few degrees lower while sleeping or at work and then raising it before returning home ensures that you aren’t using heat unnecessarily. Many models also allow you to control the temperature remotely, giving you even more flexibility in managing energy usage.

4. Improve Your Insulation

Proper insulation is one of the most effective ways to keep heating costs down during the winter. Adding insulation in attics, walls, and floors can prevent heat from escaping and cold air from coming in. An energy-efficiently insulated home means your heating system doesn’t have to work as hard to maintain a warm, cozy environment, saving you money each month. Even small improvements, like sealing gaps around doors and windows, can make a noticeable difference.

5. Consider Energy-Efficient Home Upgrades

Energy-efficient features like insulated windows, energy-saving appliances, and upgraded HVAC systems not only help save on energy costs but are also highly desirable to homebuyers. Around 90% of people looking to buy a home seek energy-efficient options to save on utility bills, according to TodaysHomeOwner.com. Investing in such upgrades can help you save on heating costs now and increase the value of your home when it’s time to sell.

6. Maximize Sunlight as a Natural Heater

During the day, let sunlight in as much as possible. Sunlight is a free and natural source of warmth, so make it work for you by opening curtains and blinds when the sun is shining. South-facing windows receive the most sunlight throughout the day, so if possible, focus on letting light into rooms with these exposures. This can naturally warm your rooms and reduce the amount of time you need to run your heating system.

7. Schedule Regular HVAC Maintenance

A well-maintained heating system is more efficient and uses less energy. Regular HVAC maintenance, such as replacing filters and checking for issues, ensures that your system is running smoothly. Consider scheduling an annual HVAC inspection before the winter season to address any problems that might increase energy consumption. A clean, tuned-up system heats more effectively, keeping your home comfortable without overusing energy.

8. Add Weatherstripping to Doors and Windows

Drafts around windows and doors are one of the quickest ways to lose heat. Adding weatherstripping to seal these gaps can make your home much more energy-efficient. It’s an affordable and easy way to prevent cold air from entering and warm air from escaping. Weatherstripping materials are available at most hardware stores, and the installation process is typically simple and DIY-friendly.

9. Use Ceiling Fans to Circulate Warm Air

If you have ceiling fans, use them to circulate warm air by reversing the fan direction in winter. Ceiling fans can push warm air that has risen to the ceiling back down into the room, helping to maintain a more consistent temperature and reducing the load on your heating system. Just switch your fan to a low, clockwise setting for an effective, energy-saving solution.