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Low Budget Ways to Keep Your House Cozy During Flu Season

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When flu season rolls around, staying warm and comfortable at home suddenly feels a lot more important. Nobody wants to crank the thermostat and watch their energy bill climb, especially when money is already tight. The good news is that comfort doesn’t have to come with a big price tag. With a few thoughtful tweaks, you can make your home feel warmer, healthier, and more inviting without stretching your budget. Think of it as layering comfort the same way you’d layer clothing on a chilly day. Small, practical changes can go a long way in helping you feel better and rest easier.

Seal in Warmth Without Spending Much

One of the easiest ways to keep your house cozy is by stopping warm air from sneaking out. Drafty windows and doors are usually the biggest culprits, and fixing them doesn’t require major renovations. Simple weatherstripping, door sweeps, or even rolled towels placed at the base of doors can help block cold air. Plastic window insulation kits are another affordable option and can make a noticeable difference in room temperature.

This kind of preparation is a lot like how workplaces try to cut unnecessary waste. According to Forbes, a company with 500 employees could easily lose $84,150 every year manually managing time-off requests. Just like businesses protect their money by improving small processes, homeowners keep more cash in their pockets by sealing gaps and holding onto heat they’re already paying for.

Create Warmth With Lighting and Textiles

If your home feels chilly, it might not actually be the temperature. Often, it’s the atmosphere. Lighting plays a big role in how warm a space feels. Swapping harsh white bulbs for softer, warmer-toned lighting can instantly make a room feel cozier. Table lamps, floor lamps, and even string lights add warmth without using much energy, giving you a lot of comfort for very little money.

Textiles are another low-cost way to boost coziness. Throw blankets, area rugs, and plush pillows help trap heat and make your home feel more welcoming. Rugs are especially helpful on tile or hardwood floors, adding insulation and warmth underfoot. These touches encourage rest and relaxation, which matters when you’re trying to stay healthy during flu season.

Keep the Air Clean and Comfortable

Cozy isn’t just about warmth. The air you breathe plays a big role in how comfortable you feel, especially when colds and flu are going around. Dry air can irritate your throat and sinuses, making symptoms feel worse. A basic humidifier can help balance moisture levels, making rooms feel warmer without spending extra money on heating.

It’s also smart to think about what’s circulating through your vents. It’s recommended to clean your air ducts every three to five years. Over time, dust and allergens can build up and get pushed back into your living space. Even simple steps like replacing filters regularly can improve air quality and help you feel better at home.

Lean Into Cozy Design Choices

Feeling warm is sometimes as much mental as it is physical. Your surroundings can shape how comfortable you feel. Bring a touch of nostalgia into your home with that 70’s look; a design scheme of rich earthy hues, plush textures, and natural materials. Warm browns, deep oranges, soft greens, and layered fabrics all help create a snug atmosphere.

You don’t need a full makeover to get this effect. Swapping out lighter décor for deeper tones or adding wood and natural elements can shift the mood of a room. When your space feels welcoming, it supports rest and recovery without requiring a big investment.

Keeping your house cozy during flu season doesn’t require expensive upgrades or higher utility bills. With smart sealing, warm lighting, clean air, comforting meals, and thoughtful design choices, you can create a space that supports rest and wellness. These small changes add up, helping you stay comfortable while protecting your health and your money. When your home works with you, it becomes a place where recovery feels easier and flu season feels a little less overwhelming.

Ashley’s 2026 Financial Goals

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Looking back on last year’s financial goals, I’m feeling more strategic about the year ahead. 2025 was a year of getting organized. We opened our LLC, revisited our investment strategy, and hired a CPA. It wasn’t perfect, but it was productive.

So what does 2026 look like? Here are the big financial goals I’m setting for myself and my family.

 

Plan and Prepare for Early Retirement

This is the headline goal for 2026.

I’m planning a whole blog post on this topic (thanks to some comments on my Catching FIRE blog post last month). But for now I’ll say this has been a thought and dream for many years but it’s been more a “reach” goal and I haven’t gotten concrete about strategies or plans to make it become a reality. I want that to change this year. I plan to come up with a definitive timeline for retirement and plans for what we’ll do regarding health care, IRA distributions, and more. Running the numbers, we’ll see what’s possible and where we may need to make concessions (working longer versus trimming “lifestyle” in retirement, etc.). I’m excited to get working on this plan and to report back when I’ve thought things through a bit more.  

 

Save 50% of Our Income

This goes hand-in-hand with the previous goal  (preparing for early retirement)! We’ve been inching toward this number for a while, but it also has felt a bit like an unclear target because is it 50% of our net income? Do I use the amount we get paid on our paychecks as the whole number (but several investments are taken out of our check before it hits our bank accounts)? Or do I look more at our gross income minus taxes? Minus taxes and insurances? What do others do here when they’re thinking of saving “X” percentage of their income? 

I know this is all semantics, but it can get really complex really quickly when you have multiple savings and investment accounts going on (e.g., we have ORP, 403b, HSA, IRAS, taxable brokerage, high yield savings account, kids’ 529s, kid’s Roth IRAs, etc.)

Right now we have good incomes and stable jobs. This next 7-10 years is prime time for building long-term security and ensuring our ability to retire early. Also, figuring out the specific number that we’re living on versus saving is going to be important as we plan for our income needs in retirement.

Adjust Investments 

Again – shout out and thank you to commenters from my “Balancing Assets” blog post. Given the desire for early retirement, one of my goals for this year is to start growing our regular taxable brokerage accounts. This will be a bridge we’ll use between ages 50-59.5 so we don’t have to draw from retirement accounts that may have penalties for early distributions. Part of this will be moving (some) money from high yield savings accounts into regular brokerage so we’ve got a higher rate of growth. But I also want to increase monthly contributions and re-invest funds here that I’ve had to take through mandatory withdrawals from an inherited IRA I received last year after my Dad’s passing.

 

Keep an Eye on the Rental Market

I’ve talked many times about how I’m interested in turning to real estate investments. To be clear, this goal is NOT a commitment to buying a rental property in 2026. But I want to continue to watch the housing market, keep an eye on interest rates, and be ready in case an opportunity presents itself. This is not something we would rush into quickly. I know there’s a lot of added responsibility (and oftentimes frustrations and difficulties) that come with being a landlord. So this is more of a goal to continue to keep our fingers on the pulse of the housing market and be open and ready if the time feels right.

A local long-term rental property might be in the cards for 2026 (or might not). And down the road I’m still dreaming about a little vacation rental (something that doubles as a family getaway spot). But this is a slow-play goal for now.

 

Become Debt-Free (minus the house)!

We’ve been consumer debt-free for awhile. We have no car loans or credit card debt. No medical debt or outstanding bills. I remember when I first started blogging here that I had a Mattress Firm credit card and we owed back taxes and had to negotiate with medical debt and all kinds of things we owed all kinds of people and places. It’s crazy that in a span of 10 years, everything has changed.

Like Hope, my last remaining debt (not counting the house) is my STUDENT LOANS! They have been the bane of my existence for years (a bit hyperbolic, but they do drive me crazy!). This is FINALLY the year to put those to bed. I’m in a Public Service Loan Forgiveness program and am set to have my remaining student loan balance (approx $25k-ish) forgiven later this year. I. CAN. NOT. WAIT!

Wrapping Up

So that’s the plan for 2026:  Save more. Invest smarter. Keep things simple, intentional, and sustainable all in preparation of our early retirement dreams.

Your turn! What are your financial goals for 2026? Are you saving more, spending differently, or shifting your investment strategy? I’d love to hear what you’re focusing on this year.