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The Homemaker

Tips to help you manage your money

Budget Form to download- Contains weekly, biweekly and monthly adjustable budget for your use.

click here to download file

Ways to strech every penny....
5 quick ways to lower your energy bill
* Lower hot water heater by 15* ($2 month is $24 a year that's 2 pairs of kids shoes!)
* Use those new spiral light bulbs
* In the winter put your thermostat at 65*
* In the summer keep your thermostat at 77*
* Limit the wash cycle to 6-10 minutes (Your clothes will be just as clean)
These may seem petty but they can lower your bill by $10-20 per month which is $120-240 per year)

Great web-sites for indepth information