Login To Your Account

1-800-982-8445

Financial Freedom Community

This site is a resource for Financial Education, Debt Solutions and Tools to assist with Credit Management. All the resources on this site are free of charge. We encourage visitor feedback, Tell us what you want to see more of! Sign up for news & updates and we'll keep you posted on the latest!


Navigation

Home
Bankruptcy
Consumer Personal Loans
Credit Card Debt
Advantages of Making Credit Card Debt Payments on Time and Other Tips
Avoiding Credit Card Traps
Credit Card Counseling – Learn Credit Management Tips
Credit Card Debt and Simple Ways to Consolidate Them
Credit Card Debt Consolidation Nationwide Epidemic
Credit Card Debt Consolidation Solutions
Credit Card Debt Help for Senior Citizens
Credit Card Debt Reduction
Credit Card Debt Solutions That Can Help
How to Pay Your Way Out of Credit Card Debt
Paying Off Your Holiday Credit Card Debt
Prevent Identity Theft With a Credit Freeze
Saving Money on Your Credit Card Bills
Terminate Credit Card Debt Without Consolidation
Tips on Credit Cards, Part 1
Credit Collection Laws
Credit Repair Organizations Act
Fair And Accurate Credit Transaction Act
Fair Credit Billing
Fair Debt Collection Practices – Know Your Law
Statute of Limitations
The Fair Credit Reporting Act
The Fair Debt Collections Practices Act
The Truth In Lending Act
Credit Counseling
Can Consumer Credit Counseling Help Avoid Foreclosure
Credit Card Counseling
Credit Counseling a Must for Bankruptcy
Credit Counseling Benefits
Credit Counseling Can Reduce Your Debt
Difference Between Credit Counseling and Debt Settlement
Free Credit Counseling to Help Manage Your Debt
Using Credit and Debt Counseling to Manage Your Finances
What Can Credit Counseling Offer You?
What is Credit Counseling
What to Ask a Credit Counselor?
Credit Education
Consumer's Rights
Establishing New Credit
Finance Charges
Credit Reports and Scores
Credit Repair After Bankruptcy
Do you Know the Benefits of Checking your Credit Report?
Debt Consolidation
4 Valuable Tips on Debt Consolidation
Become Debt Free With Financial Advice
Benefits of Debt Consolidation
Bill Consolidation Loans
Bill Consolidation Advice to Help With Debt
Credit Consolidation: Is It Worth Taking?
Debt consolidation and Ways to Avoid Scams
Debt Consolidation Explained - What Happens if You Don't Pay?
Debt Consolidation Loans
Debt Consolidation Loans for Payday Loan Debt
Debt Consolidation Non-Profit
Debt Consolidation Now Will Improve Your Credit Score Later
Debt Consolidation Provides Relief from Financial Stress
Debt Consolidation Services Helps to Clear Debts
Debt Consolidation – Find Relief To Your Financial Stress
Debt Management Program
Debt Management Program Will Ease Debt Burden
Do You Need Debt Consolidation?
Get a Debt Consolidation Loan to Manage Bad Debts
Government Debt Consolidation Loans
Government Debt Consolidation Loans for Student Loans
How to Consolidate – Debt Help – Consolidate Your Debt Payments
How to Consolidate Bills Effectively When Left in Debt
How to Consolidate Debt
Let the government help you consolidate your debts
The Advantages of Credit Consolidation
Understanding Debt Consolidation Loans
Debt Settlement
Elderly Can Benefit from Debt Settlement
Financial Tools & Calculators
Bill Reminder Tool
Bill Reminder User Guide
Calculators
Car Loan Calculator
College Savings Calculator
Credit Card Payoff Calculator
Mortgage Loan Payment Calculator
Retirement Calculator
Savings Calculator
Loan Modification Guide – Do It Yourself
Frequently Asked Questions
Step 1: Prepare yourself
Step 2 Gather the necessary documents
Step 3 Know what to expect
Step 4 Contact your lender
Step 5 Review your loan-modification plan
Step 6 Finalize the approval and begin making payments
Home Buying
Build or Buy a Home
Choosing a Real Estate Agent
Home Equity Interest Rate Charges
Home Equity Line of Credit
Home Equity Loan Fees
Managing Your Mortgage
Mortgage Basics
Mortgage Debt Elimination, 3 Things You Must Know
Real Estate Laws
Refinancing
Renting vs Owning
Interesting Money Articles
12 Amazing Facts about Credit Card Debt
12 More Interesting Facts About Money – Part 2
24 Amazing Pictures of Money
Introduction To Budgeting
7 Steps to Successful Budgeting
All You Need to Know About Budget Basics
Basics of Personal Budgeting
Budgeting – How Much?
Debt Management and Prevention Using a Budget
How to Pay Off Debt – Start Budgeting
Maintaining and Budget Planning
Manage Your Debt by Learning How to Budget
The Basics of Budgeting
Transcript – The Basics Of Budgeting
The Importance of a Household Budget
Managing Debt
Debt Relief The Issue of Forgiveness
Get Out of Debt by Changing Your Financial Habits
Personal Finance Management to Reduce Debt
Start Early Teaching Kids Money Management and Savings
Saving Money
Banking & Credit
How 'Charge Offs' Effect You
Insurance & Housing
Money Management Means Setting Goals
PREPARING YOUR BUDGET FOR A WORSE CASE SCENARIO
Save Money When going to work
Spendaholic
Transportation Savings
Utilities and Savings
What Debt Should You Pay First?
Young Couple Finances
Student Loan Debt
Student Loan Default Penalties
Consolidate Student Loans
Student Loans and the Credit Squeeze
Types Of Debts
Auto Loan Prepayment Penalties
Balance Transfers
Credit Card Minimum Payments
Gambling Debt Problem Gambling and Bankruptcy Connection
Holiday Credit Card Debt
Ideas To Save
Inherited Debts?
Six Easily Avoidable Causes of Debt
Ways to Pay Off Holiday Debts
Video Library
Personal Finance Video library
Tax Tips Video library

Free Consultation




McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams

Latest Headlines

Latest Infographics

Most Popular Articles

Transcripts – Energy Saving Tips

Share

Article | Transcript | Info Graphic

Scott:               Hello everybody. Today were going to talk about a couple of energy tips to help you save a little bit of money. Now we’re talking about this time of the year, especially for our friends that live in the north with oil and gas. It can be very a expensive time of the year. While some of this may go without saying, it’s certainly not bad to hear a second time. For those of you that live up north for use some sort of heat, oil and gas heat, if you’re leaving for the day, set your heats about 60, 65°. When you come home, turn the heat back on. It will save you some money.

Alex:                I once had this gym coach, doing gymnastics, and he would stick a thermostat in my butt while I’d do a handstand, so I would stay at a consistent body temperature while I was doing gymnastics.

Scott:               Really. All right. The next tip for those with an AC at the time of the year for AC; when you’re leaving the house, set your AC at 82°. When you come home from your work, a day at work, bring your AC back down to a comfortable temperature. Again, using energy when you’re not there is doing nothing but costing you money. Save a few dollars here and there. In the wintertime, take your heat down to 65 while you’re away. In the summertime, take your AC down or up, I should say, to 82 while you’re away. Next tip; if you’re not home or you’re not in a particular room, make sure you turn the power off, lights, ceiling fans and stuff like that. Again, …

Alex:                I always leave the lights on and my cats like to listen to Gloria Estefan.

Scott:               Really?

Alex:                Yeah.

Scott:               You want to spend $7-$10 a month so your cat’s will listen to Gloria Estefan?

Alex:                Oh, I’m sorry. I love my animals. Sorry … I’m an animal lover.

Scott:               I’m an animal lover too, but they don’t care.

Alex:                Oh, so now they don’t have souls, they don’t have personalities, they don’t have feelings.

Scott:               I didn’t say that. Anyway, so yes. If you’re not going to be home , or if you’re not even in a particular room, turn off what you’re not using. Again, sounds very simple, but it adds up a couple dollars a month.

Alex:                Be an animal hater.

Scott:               That is not what I said.

Alex:                Yeah, abusing animals.

Scott:               That is not what I said.

Alex:                Cut their heads off, skin them …

Scott:               Next tip. Most utility companies, especially electric companies will actually come out to your house and do a free assessment of your house.

Alex:                This is new. You just cut your hair.

Scott:               You like it?

Alex:                I like the shaved head.

Scott:               Yeah, I did it just for you.

Alex:                Thanks.

Scott:               You’re welcome. Anyway, contact your utility companies, especially electric company. Most of them will come out and do a free analysis. They’ll look at stuff like to see if you need weather-stripping, possibly have some outdated appliances, especially,  air conditioner …

Alex:                Ooh that sounds like the beginning of a good porn. Excuse me. Appliances outdated? I don’t know. Why don’t you come in and check? I don’t know why she was southern but she was.

Scott:               I don’t know either.

Alex:                Because I could seem like a dumb southern girl, like, “I don’t know. Jesus.”

Scott:               Anyway, usually, they will usually come up for free, scheduled time …

Scott:               Oh, for free?

Scott:               For free.

Alex:                Oh, my God, how can I deny something for free? Thank you, sir.

Scott:               You’re welcome.

Alex:                Thank you.

Scott:               You’re welcome. This is for your information, too.

Alex:                Oh, for free?

Scott:               For free.

Alex:                Wow.

Scott:               Yeah.

Alex:                Gosh. There’s still nice people in this world.

Scott:               In any event, contact your utility company and see if they have the offer and see what kind of plans that they can put together for you. While we’re talking about energy savings, let’s talk about water. I mean, water still is a resource. You want to make sure you don’t have any running faucets, any running toilets, any leaks anywhere, things like that.

Alex:                I typically poop in my cat’s litter box to go green on my whole toilet, saving water. It’s just a scoop and a poop and a … All good.

Scott:               Really.

Alex:                Yeah, I mean, what is it 5, 10 gallons every time you flush? That’s a lot. I [inaudible 00:04:09] six times a day. I’m healthy. [crosstalk 00:04:13] told me I’m healthy.

Scott:               The fact that it’s fibrous, the fiber is six gallons a day. That’s a huge toilet. They don’t take that much gallons in just water.

Alex:                Then my cat all wants to go on the toilet and get potty trained and I said, “No, no, no honey. Get your ass off the toilet and get in that litter box and you do your business in that litter box, because you are not wasting my water.”

Scott:               Well, hold on a second. You’re going to spend less in water than you are in kitty litter.

Alex:                Aw, [inaudible 00:04:42]. Thank god for you, Scott.

Scott:               Well, Mom, that’s why I’m here.

Alex:                Thank God.

Scott:               You are welcome.

Alex:                An angel.

Scott:               With that, we’ll wrap it up for today. I’m Scott Tenell with financial freedom community.

Alex:                And I’m .

Share
McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams