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Want to know the best ways to save and earn money?

We can help. We provide the latest research-based information about personal finance.

• Discover ways to increase financial security. 
• Gain skills to build wealth.
• Make the most of your resources. 

10 Tips to Stay Cool and Save Money - make the most of your AC during Arkansas summer days.

1. Keep your house a few degrees warmer than normal when you are away. Lower the thermostat when you return home. A programmable thermostat will do this automatically. According to www.energy.gov, you can save as much as 10% a year on heating and cooling by turning your thermostat back 7°-10°F for 8 hours a day from its normal setting.
2. Check filters to see if they need to be cleaned or replaced. Vacuum the grate and change filters often as recommended.
3. Check fireplace dampers to make sure they’re closed when you don’t have a fire going.
4. Make sure that furniture or other obstacles are not blocking vents or air return. Move items that are in the way to allow for better air flow.
5. When you shower or take a bath, use the bathroom fan to remove heat and humidity from your home.
6. Plan use of appliances that may heat the home. Ovens, dishwashers, dryers, toasters, and even lights can give off heat. Limit use or use during cooler times of day.
7. Keep hot air from leaking into your home. Seal cracks and openings to prevent warm air from leaking into your home. Add caulk or weatherstripping to seal air leaks around doors and windows. For a quick fix, you can use a rolled-up towel to block air leaks under doors where you can see light from outside.
8. Close blinds and drapes during the day to keep out heat. Heavier window coverings will block more heat.
9. Have your air conditioner serviced annually to ensure that it operates efficiently.
10. Consider a budget-billing program, sometimes called “levelized billing”. Costs are spread out evenly over the year, so your energy costs are more manageable month-to-month without spikes during the hottest and coldest times. Check with your utility company to see if they offer levelized billing or energy assistance plans. Some people are eligible to get help from the Low-Income Home Energy Assistance Program. https://www.adeq.state.ar.us/energy/assistance/liheap.aspx

Living resourcefully

Income can drop for a variety of reasons.  Most people will face at least one financial crisis during their lifetime.  Though circumstances may seem beyond your control, you can change some aspects of your situation.  Take action to make the most of your resources and reduce anxiety. Look for ways to downsize spending, manage debt, and find additional resources.

Gain control by making a list of all expenses and income.  List everything that you spend in a typical month.  Identify basic needs like food and shelter.  Look for places to eliminate unnecessary expenses.  Estimate income. Create a plan.

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