What are thermal curtains? Thermal curtains are thick curtains with multiple layers of fabric and a layer of foam to help block the flow of heat. This helps you save energy, while also having sound dampening effects.
Thermal curtains work similarly to blackout curtains. But since their intended purposes are slightly different, a thermal curtain might have some shortcomings as a blackout curtain, and vice versa. If you want a curtain to do both, I recommend getting dark-colored thermal curtains. A blackout curtain may not block as much heat as you would like. Similarly, a light-colored thermal curtain might let in more light than you like.
It sometimes surprises people that you can wash a toothbrush in a dishwasher. But there’s no reason why you can’t, to prolong their useful life. And the toothbrush in dishwasher trick is a good way to stay healthier in the winter.
I frequently get questions like, “How much mortgage can I afford on 100K?” Or any other amount. The amount doesn’t really matter; you can do the math on any annual salary or combination of salaries. The important thing is to do the math yourself. So here’s how to figure out how much mortgage you can afford.
Living mortgage free isn’t a pipe dream, and it doesn’t necessarily mean you have to live in a hovel to achieve it. Ordinary people on ordinary incomes in ordinary homes can generally achieve it in less than seven years. I know, because my wife and I did it. Twice.
My wife and I live in a middle-class suburb in a good school district. By some standards our 1,600-sqft house is small, but we can live there comfortably as a family of four. It took sacrifices to pay off, but I wouldn’t call it extraordinary sacrifice.
When you can’t afford furniture, believe it or not, you have options. It’s also a more common problem than you may think. Here are some offbeat options to help you find furniture until you can afford something better.
What salary do I need to buy a house? I struggled with that question in my 20s and it probably kept me renting a year or so longer than I really needed to be. Then again, considering the housing crisis of 2007-2008, renting a year or so longer was a small price to pay to avoid potentially making the biggest financial mistake of my life.
One of the reasons for that financial crisis was not enough people asking that question. A second reason was banks being dishonest about the answer.
A lot of people will say if you are asking is it worth it to buy a house, the answer is automatically no. As a homeowner and landlord, I think the answer is more complicated than that, so I’m not going to be quite that cynical.
Is it worth it to buy a house? Frankly, it depends.
I’ve been buying modern forms of light bulbs for almost 15 years now. So when someone asks me, “Are LED light bulbs worth it?” or “Do LED lights really save you money?” I can answer the question. I was more accepting of CFL bulbs than most, but I had some reservations about them. On the other hand, I really like LED bulbs.
LED light bulbs have saved me a lot of money over the years, and they have quite a few advantages besides the money they save you every month on your electric bill. I thought LED light bulbs were worth it five years ago, and I really think so now.
St. Louis has a number of good thrift stores. They’re good for saving money, and if you’re looking for collectibles, there’s something more thrilling about finding it in a thrift store than a collectibles shop. Here are my recommendations for St. Louis thrift stores.