Toady’s money saving tip is:

Turn off the lights. Leaving the lights on can increase your power bill. For example, a standard 60 watt light costs you an average of $4.40 a month to run. However, if you turned it off for 8 hours a day, it would cost only $3.00 to run. That’s just one bulb. If you get in the habit of turning off all the lights before leaving for work, your wallet will definitely feel the difference.

For more information on how to save electricity, you might consult Michael Bluejay’s saving electricity homepage.

Best,

James

MANAGE YOUR MONEY TOGETHER

Here are some simple guidelines for DINKS to build wealth:

1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

6) Avoid high interest debt. Credit cards and title loans are financial cancer.

7) Diversify. Don't put all your eggs in one basket.

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