Posts tagged money saving app
Practical Tips To Save Money On Your Gas Bill

Are you tired of seeing your hard-earned dollars go up in smoke every month when you pay your gas bill? Well, you are not alone. With the ever-rising cost of energy, finding ways to save money on your gas bill has become a priority for many households.

Fortunately, there are practical tips that can help you cut down on your gas expenses without sacrificing comfort or convenience.

In this article, we will explore some effective strategies to help you lower your gas bill and put that extra money back into your pocket. From simple lifestyle changes to affordable home improvements, we will cover a range of actionable steps that can make a significant impact on your monthly gas expenses.

No. 1

Heat your home more selectively

In the United Kingdom, heating and cooling make up the largest portion of gas consumption for the average household, accounting for approximately 40 percent of the total usage. To minimize your energy consumption, it is advisable to prioritize heating the areas you frequently occupy. 

By ensuring proper insulation and closing doors to unoccupied spaces, you can effectively retain heat in the desired areas. Keeping your boiler maintained ensures that it is running efficiently. 

Additionally, to avoid unnecessary heating expenses, remember to turn off the heating system when you're away from home or during sleep hours.

No. 2

Invest in a Programmable Thermostat

Even a slight adjustment of one degree Celsius (°C) lower for cooling or higher for heating can result in an additional 10 percent increase in heating costs. For heating purposes, maintaining a temperature range of 18 to 20 degrees Celsius is typically adequate. To efficiently save on gas costs without the need for constant manual adjustments, it is worth considering the purchase of a programmable thermostat.

No. 3

Minimize your hot water consumption

One effective way to lower your gas costs is to reduce the amount of hot water you use. By opting for shorter showers instead of long baths, you can significantly decrease your water consumption. Aim for showers that last around four to five minutes to save both energy and water. 

Another useful strategy you can consider is to install a low-flow showerhead, which can help further reduce your energy and water expenses. Additionally, it's essential to address any leaky hot water outlets promptly.

No. 4

Invest in an instant water heater

Heating water accounts for a substantial 30 percent of your overall energy consumption at home. However, you can make significant long-term energy savings by adopting an instantaneous hot water heating system. These systems only heat water when it is needed, eliminating the need to keep it hot throughout the day.

Although they may have a higher upfront cost, the energy savings they provide over time can offset this initial investment. If you're interested in ensuring your boiler operates efficiently, you can explore boiler cover options here.

Another effective approach is to ensure proper insulation for your hot water pipes and storage tank. By insulating these components, you can substantially reduce the amount of energy required to keep the water hot. Without proper insulation, up to 30 percent of the energy used for water heating can be lost. 

No. 5

Enhance energy efficiency through proper home insulation

Proper home insulation is a key strategy for reducing gas consumption and achieving significant energy bill savings. A well-insulated home provides year-round benefits, keeping it warmer in winter and cooler in summer.

Without proper insulation, a poorly insulated home can lose up to 50% of heat through the ceiling during winter and gain up to 60% of heat through the walls and ceiling during summer. 

By insulating your home, particularly the roof, you can reduce your reliance on heating during cold weather and trap warm air inside while keeping cold air out. This not only creates a more comfortable living environment but also lowers energy usage and gas costs.

No. 6

Upgrade to an energy-efficient washing machine and dishwasher

Appliance manufacturers are continually enhancing the energy efficiency of their products. If your washing machine or dishwasher is more than 5 years old, it may be consuming excessive energy. Consider replacing these appliances to minimize energy waste.

When choosing replacements, prioritize the appliance that you use most frequently. Opt for energy-efficient models with features like eco-wash, which provides control over water temperature and water level, particularly when hot water is necessary. Additionally, pay attention to the energy rating of the appliance.

Takeaways

In conclusion, saving money on our gas bills requires a mindful approach to our energy consumption. By incorporating practical tips such as effective insulation, regular appliance maintenance, smart heating controls, energy-saving habits, and exploring alternative energy sources, we can successfully reduce our gas bill while creating a greener home environment. Let us embrace these practical strategies and make a positive impact on both our finances and the planet.




Ensure Your Marketing Business Gets Paid On Time
HLL x Ensure Your Marketing Business Get Paid on Time

Have a pricing guide to present to your clients that showcases all of your services and payment terms.

Running your own marketing business can be a gratifying way to earn a living on your terms doing something you love, but it can be pretty stressful at times, especially when you are struggling to get a client to pay you on time.

There is nothing worse than when a client will not settle their invoice. You spend too much time chasing them and stressing about what you will do if the money does not come through. The good news is there are several things you can do to ensure your marketing business gets paid on time.


01

Send prompt invoices

Using software to send payment invoices automatically when a job is complete is an excellent way to get paid on time because the sooner you send the invoice, the sooner it is likely to be actioned by the client. It does not always work out that way, but as a good first step, immediately sending out your invoices is helpful, and it is simple to do with an automated system.


02

Create clear terms and conditions

Right from the start, when working with a client, no matter who it is, you should ensure that you have a written contract with transparent terms and conditions around every aspect of your time working together, including payment timescales.

By creating a detailed contract, you will ensure that both parties know what is expected of them, and you can ask for payment at a specific time. You can also create a clause that lays out the fees you will charge for late payments and what will happen if a payment is not forthcoming so that you have legal recourse should the worst happen and the client refuses to pay despite you holding up your end of the bargain.


Hello Lovely Living

Have a company profile to present o your clients. It includes a pricing guide so that all bases are covered prior to you working together.

03

Track payments

One thing you should always do as a small marketing business is to track the payment patterns of your regular clients. Doing this is one of the best ways to reduce the risk of your company not being paid on time or, even worse, not being paid at all.

If you track payment patterns and you find, for example, that X company always pays a month late or that you have to endlessly chase Y company to pay at all, then you can make decisions about firming up their contracts so that they settle their debt in a more timely manner. You could also opt to refuse to continue business with them at all if it is too time-consuming and stressful to chase them. This will put your business in a much better position from now on and reduce the odds of you losing money in the future.


04

Offer incentives

If you are struggling to get paid on time, then take a leaf out of the marketing playbook and offer your clients incentives to pay just like you would create incentives for customers to buy products from your clients.

If you offer, say, a 10 percent discount for early payers or a freebie for clients who pay on time when it comes to them making their next order, you will find those slow payers suddenly become prompt at paying off their invoices., and everyone wins. Of course, only do this if you can afford to do so, and it is built into your business plan, but if it is viable for you, it can be very effective indeed.


05

Offer more payment options

Something else that can help your marketing business to get paid on time is offering multiple payment options--from Paypal to credit cards to bank transfers. By providing a wide range of options, you are making it easier for your clients to complete the transaction, which means they are less likely to hold off on doing so until they can find a convenient time in their window.

It has never been easier to set up numerous payment options, so there is no reason not to do this if you want to get paid on time and have an easier time planning your company's cash flow in the future.

Not getting paid on time sucks, but you can vastly reduce your chances of having it happen to you by simply incorporating some or, even better, all of the strategies above into your business model going forward. If you want to be paid promptly, these changes will help.


The List

Money


✔️

Chime

Chime is a new approach to online banking that doesn’t rely on fees, gets you your paycheck up to 2 days early with direct deposit,  and helps you grow your savings automatically.

Their mission is to make financial peace of mind a reality for everyone. They are doing that by changing the way people feel about banking.

Chime’s business was built on protecting its members and making managing your money easy. “We’ll never profit from your misfortune or mistakes, and everything we build is focused on improving our members’ lives.” - Chime

Earn $100 when you join Chime and receive a qualifying direct deposit.


✔️

Moneylion

Earn up to $60 when you use code $hellolovelyliving when you join MoneyLion.




Get Real Money | Money Making Apps That Really Work: Ibotta

I love to save and earn money whenever and wherever I can, so today I am starting a series in which I feature ways to do just that! As a business owner and single mom, I am always looking for every opportunity to make my money go even further. Every single thing adds up, and if you are going to spend money anyways, why not save a few bucks? These days, there is always a deal and there are always ways to save - you just have to be resourceful and not impulsive when it comes to purchases. I look forward to sharing more of my money-saving and money-making tips in this series, so I hope you enjoy it and find it to be helpful!

 
hellolovelyliving
 

ibotta


Ibotta is a cash back app that allows you to transfer 100% of your Ibotta earnings to PayPal or Venmo as soon as you've earned $20. If you'd rather convert your earnings into a gift card, you can do that, too. You can earn money on purchases from 289 retailers like Target, Walmart, Sprouts, and Amazon (to name a few) and have 3 ways to earn, so it’s easy to rack up those earnings quickly!

 

how it works


Step 1

Sign up + add offers

SIgn up here. You’ll receive a $5 bonus just for signing up! Simply search for offers and add them by completing simple tasks like answering a question or watching a short video.

 

Step 2

go shopping: three ways to earn + bonuses

Earn money in 3 ways: Send receipt, link a loyalty card, or make mobile in-app purchases. Depending on which way(s) you choose to earn, you will required to follow the steps in order to redeem your purchases. You can also earn cash from bonuses.

Send Receipt

Buy the products at participating stores. Redeem offers by taking a photo of your receipt and Ibotta will match your purchases with the offers you selected.

Link Loyalty Card

Link your store loyalty account by choosing one of Ibotta’s Preferred Partners. Use your loyalty card or phone number at check out.

Mobile In-app Purchases

Before you shop, browse cash back offers from top apps. Tap on the Shop button from the Ibotta app. Make a qualifying purchase in a participating app.

Bonuses

Get extra cash back by completing bonuses such as redeeming offers at specific retailers and by completing certain tasks.

Referral + teamwork

When you invite friends to download the app, Ibotta gives you a cash gift for doing so. Friends can also become a part of your team if you sign up using Facebook and everyone can take advantage of teamwork bonuses offered every month.

 

Step 3 get cash

Your cash back will be deposited into your Ibotta account within 48 hours of submitting offers. You can then cash out your earnings to PayPal or Venmo once you’ve earned $20.

 
 

Get Real Money! Money Making Apps That Really Work https://bit.ly/hllxibotta @hlovelyliving #hellolovelyliving
 
 

 
 

Final Thoughts


Why I like Ibotta

Ibotta is an easy way to save money on ordinary purchases, and offers are so easy to redeem. Cash back can really add up quickly. I have earned over $50 using Ibotta so far, so I highly recommend it from my personal experience.


PRO TIP

To save even more on my purchases, I also like to search for matching offers on other coupon apps like the Target app. Many times, offers will be available on both the Target and Ibotta apps, which means that you can save even more on products and potentially get products for free or next to nothing. If you are an extreme couponer, you could even find matching coupons that you can redeem at the store in addition to using Ibotta and other digital coupon apps.

 

Of course, there’s always the option of benefitting from coupons, promo codes, and credit offers from shopping online. So, if you are wanting to make an online purchase at say, Walmart, you can still save money, but instead of having to submit receipts, your purchases would be automatically tracked. It’s a win-win situation either way!

 
hellolovelyliving
 
 

That is it for today’s post! I hope you do take advantage of using Ibotta because it is such a simple and easy way to save and earn money, and it would be a tragedy not to haha! Make sure to follow along for more posts just like this in the near future. I am happy to share more of my money making hacks really soon!

 

do you use cash back apps? which ones are your favorite? 


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