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Staying Cool Without Burning Through Your Cash
By Greg McTaggart

Keeping your budget in check is definitely a priority this summer, but one area that can be a particular challenge is your home energy bill. Running the air conditioner can be a drain on your finances, but you still want to be able to enjoy the summer without going broke. Here are some tips to help you save money and stay cool.
 • Maintain your cooling system—this can reduce energy costs up to 10%. Make sure the air condition unit is running efficiently by cleaning and replacing clogged air filters and coils. Dirt build-up on the indoor coil is the most common cause of poor efficiency. Have your system inspected if necessary.
 • Adjust your thermostat when you leave the house, especially if you leave for an extended period.
 • Invest in a programmable thermostat that automatically adjusts the temperature for the hours when no one is home.
 • Keep the drapes closed and shades down to block the sun and heat.
 • Shade the air conditioner unit from the sun.
 • Shade your home. A well-placed tree can block the sun.
 • At night, ventilate with a fan.
 • Avoid running a dehumidifier at the same time as the AC. The dehumidifier will cause the cooling load to increase and make the air conditioner work harder.
 • Keep lamps and TV’s away from the thermostat—they make heat and will cause the air conditioner to run more than necessary.
 •


The week we got our tomato seedlings and herb sprouts in the ground is the week I finally sat down and read Dave Ramsey?s Total Money Makeover. Both things speak to me of the value of being self-sustainable in a nation underwater in debt.

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Let?s talk about some practical things we can do that might save big dollars on insurance costs.]]>

From time to time, we all need "refreshers" to pull us back onto the path that God has set before us. Here's a refresher we all need to practice: five simple steps to debt-free living. ]]>

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Hi Roger, I make significantly more money than my husband. I want to be able to tithe on the money I make and he doesn't want me to.]]>

During an interview, many job applicants get caught unprepared when asked salary questions. Poor answers to money questions can cost the applicant the job, or if hired, can result in being paid thousands of dollars less than the employer would have been willing to pay. ]]>

Dear Deborah, Can you help us decide how to use our tax refund? ~ Dear Deborah, What is the "rule of 72"?]]>

How much should I give, and where should I give?]]>

Growing up, I watched the hardest working man I knew, my grandfather, lose his entire life savings. Here's where he went wrong.]]>

For some of us, instead of focusing on getting out of debt, we need to first give more serious thought to becoming organized. Does that sound crazy, almost laughable? Before you start laughing too hard, look at these examples and see if you can relate...]]>


Remember to turn off lights, TV’s, and other appliances when not in use.
 • Close off any unused rooms.
 • Do an energy audit to help detect any potential problems regarding your cooling system. Many utility companies will do a free or low cost walk-through to evaluate where you could save energy.

If you’re on a fixed income and have trouble paying your utility bills, contact your utility company. They may have energy assistance plans to help.

About One, Inc.
Christian Credit One, Inc. is a national, non-profit Christian Credit Counseling organization dedicated to helping consumers achieve financial wellness through Christian credit counseling and education. Established in 1994, One has helped over two million individuals achieve financial security. Christian Credit One is one of the top members of the American Association of Debt Management Organizations (AADMO), One manages clients across the country. Personalized and confidential consultations are available in person, by phone or online.


Greg McTaggart, Certified Credit Counselor with 22 years experience, licensed by AFCPE, Director of Christian Credit One and is an expert in budget and Christian credit counseling

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The week we got our tomato seedlings and herb sprouts in the ground is the week I finally sat down and read Dave Ramsey?s Total Money Makeover. Both things speak to me of the value of being self-sustainable in a nation underwater in debt.]]>

Let?s talk about some practical things we can do that might save big dollars on insurance costs.]]>

From time to time, we all need "refreshers" to pull us back onto the path that God has set before us. Here's a refresher we all need to practice: five simple steps to debt-free living. ]]>

]]>

Hi Roger, I make significantly more money than my husband. I want to be able to tithe on the money I make and he doesn't want me to.]]>

During an interview, many job applicants get caught unprepared when asked salary questions. Poor answers to money questions can cost the applicant the job, or if hired, can result in being paid thousands of dollars less than the employer would have been willing to pay. ]]>

Dear Deborah, Can you help us decide how to use our tax refund? ~ Dear Deborah, What is the "rule of 72"?]]>

How much should I give, and where should I give?]]>

Growing up, I watched the hardest working man I knew, my grandfather, lose his entire life savings. Here's where he went wrong.]]>

For some of us, instead of focusing on getting out of debt, we need to first give more serious thought to becoming organized. Does that sound crazy, almost laughable? Before you start laughing too hard, look at these examples and see if you can relate...]]>

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The week we got our tomato seedlings and herb sprouts in the ground is the week I finally sat down and read Dave Ramsey?s Total Money Makeover. Both things speak to me of the value of being self-sustainable in a nation underwater in debt.]]>

Let?s talk about some practical things we can do that might save big dollars on insurance costs.]]>

From time to time, we all need "refreshers" to pull us back onto the path that God has set before us. Here's a refresher we all need to practice: five simple steps to debt-free living. ]]>

]]>

Hi Roger, I make significantly more money than my husband. I want to be able to tithe on the money I make and he doesn't want me to.]]>

During an interview, many job applicants get caught unprepared when asked salary questions. Poor answers to money questions can cost the applicant the job, or if hired, can result in being paid thousands of dollars less than the employer would have been willing to pay. ]]>

Dear Deborah, Can you help us decide how to use our tax refund? ~ Dear Deborah, What is the "rule of 72"?]]>

How much should I give, and where should I give?]]>

Growing up, I watched the hardest working man I knew, my grandfather, lose his entire life savings. Here's where he went wrong.]]>

For some of us, instead of focusing on getting out of debt, we need to first give more serious thought to becoming organized. Does that sound crazy, almost laughable? Before you start laughing too hard, look at these examples and see if you can relate...]]>
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