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Category: Making Money

23 Free Money Apps That Pay You Cash

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| Find An Apartment, Making Money

Here are more than 20 free money apps that pay cash that will put some extra money in your pocket with minimal time or effort.

The post 23 Free Money Apps That Pay You Cash appeared first on Bible Money Matters and was written by Marc. Copyright © Bible Money Matters – please visit biblemoneymatters.com for more great content.

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How To Make Money Online For Beginners

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| Find An Apartment, Making Money

Whether you’re looking for a viable long term business, or just some side income, there are plenty of ways to make money online as a beginner.

The post How To Make Money Online For Beginners appeared first on Bible Money Matters and was written by Marc. Copyright © Bible Money Matters – please visit biblemoneymatters.com for more great content.

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4 Tips for Starting or Reinventing a Business in Tough Times

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| Making Money, Moving Guide, Personal Finance

Think the best time to start a business is in a booming economy? Maybe. But some of the biggest business success stories in recent decades actually came from a good…

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4 Ways to Make Money From Your Podcast

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| Making Money, Moving Guide, Personal Finance

Podcasting is not a get-rich-quick scheme. Making money from the medium takes time. You need to build a loyal, engaged following willing to buy what you’re selling, literally and figuratively.…

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7 Tools for Protecting Your Walls

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| Making Money

Protect Your Walls from Cracks

Before driving a nail into a plaster wall, place a small piece of tape over the spot you’re working on. This simple prep step will prevent cracking in the plaster.

Patch It Up

To make a putty for quick patches, combine a tablespoon of salt with a tablespoon of cornstarch.

Mix them together with just enough water to make a paste. Apply while still wet.

Crafty Use for Old Gift Cards

 

In need of a thin yet sturdy household tool for scraping grout, repairing holes in walls, or filling scratches in wood? Use a used-up gift card (or expired credit card) for the job—any unusable hard plastic card will do. And if you’re anything like us, you have plenty of those!

Wall Hole Solution

You’re moving out of an apartment and need to fill in the holes in the wall caused by nails. Just grab a bar of white soap and rub across the hole until the soap fills it. It’s not a permanent fix, but it will make the walls look clean until they can be repainted.

Another Wall Hole Solution

Before spackling small holes in your wall caused by nails, first cut a Q-tip in half and insert in the hole, stick end first. Then spackle as you normally would. The Q-tip will completely fill the hole and ensure you won’t have to go back for a second pass.

Finding Imperfections

Filling and sanding every hole in the wall before you paint can be enough of a pain, but sometimes it’s hard to find every crack, hole, and imperfection. Make your job easier by turning off the lights in a room, then slowly running a flashlight over the entire surface of the wall. The light will cast different shadows in these areas, making them easier to see than they would have been in the daylight.

Got a Screw Loose?

You’ve just struggled to remove a stripped screw from the wall. Now how do you fix the hole? Use a wooden golf tee! First, squirt some wood glue into the hole, then insert the tee as far as it will go, tapping it in place with a hammer. Next, use a utility knife to cut the tee flush with the wall. You’ve now made a stable base for the new screw. Drill a pilot hole into the golf tee, and insert your new screw. Problem solved!

 
For everyday tips and lifehacks, tune in to the Who Knew podcast on iTunes and Stitcher! And don't forget to follow us on Facebook and Twitter.

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27 Fun Jobs That Pay Well

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| Making Money, Mortgage Tips

There are plenty of jobs that provide excellent income potential while also allowing you to enjoy your work. Here are 27 fun jobs that pay well.

The post 27 Fun Jobs That Pay Well appeared first on Bible Money Matters and was written by Marc. Copyright © Bible Money Matters – please visit biblemoneymatters.com for more great content.

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7 Easy Ways to Use Less Water Around the House

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| Making Money

How Fixtures Can Save You Big on Water Usage

The easiest way to lower your water usage (and utility bill) is to screw low-flow aerators into your sink’s faucets. Aerators are easy to install, cost $5 or less, and can save you $50 or more per year. If the showerheads in your home were installed before 1994, you should seriously consider replacing them with their modern, energy-saving equivalents. Check out your local hardware store for low-flow alternatives, and remember that just because it’s low-flow doesn’t mean it has to be weak!

How to Use Less Water on Your Lawn

Have you ever set the sprinkler on the lawn and forgotten it was there? Purchasing a water timer will take care of that problem for you. Available at your local hardware store, these hose attachments work like egg timers and turn off the water supply after the amount of time you specify, usually between 10 minutes and two hours. It's a minimal investment with a worthwhile return!

Make Sure Your Toilet Doesn’t Leak

Does your toilet tank leak into the bowl after each flush? If it does, you could be wasting up to 73,000 gallons of water per year! To find out, put a drop of food coloring in the tank when it’s done flushing and see if it shows up in the bowl. If you see the color in the bowl, check out how to fix a toilet tank leak.

Savings with Each Flush

If you don’t have a modern, water-saving toilet, a great way to save water is to fill a plastic bottle or two with sand and put them in your toilet tank. You’ll use a lot less water with each flush. Just make sure you place them away from the operating mechanism. Also, don’t use bricks—they disintegrate and can damage your toilet.

Save Water During Each Shower

We’ve already shared with you some easy ways you can heat less water to lower your water bill. But what about the time spent waiting for the water to heat up? Keep a bucket in your shower to use to collect cold water as the shower is heating up. Then, use it to water plants, soak stained clothes, or other jobs that you don’t need warm water for. Meanwhile, quit fiddling with the knobs on your shower to find where you want it before it gets hot. Find your favorite setting, then mark where the knob is pointing on the tile with a dab of nail polish or a waterproof marker. This water-preserving trick is great for kids, who often take a long time adjusting the water before they get in.

Does Your Teenager Take 45-Minute Showers?

Does your teenager take 45-minute-long showers? If you have teenagers, try giving them an incentive to take shorter showers. A great one is five minutes added on to their curfew (or phone time) for every minute they shave off their showering time. 

For more ways to save money from all over the internet, check out our Saving Money board on Pinterest. And don't forget to sign up for our newsletter and follow us on Facebook!

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Build Wealth With An Average Income By Playing Great Financial Defense

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| Making Money, Money, Money Tips

Is it possible to build wealth with an average income? According to author Thomas J. Stanley it is, if you play “great financial defense”.

The post Build Wealth With An Average Income By Playing Great Financial Defense appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters – please visit biblemoneymatters.com for more great content.

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How To Start A Business With No Money

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| Making Money, Mortgage Tips

It is possible to start a business with no money and avoid taking on debt. Here’s how to get started, even if you don’t have much cash.

The post How To Start A Business With No Money appeared first on Bible Money Matters and was written by Marc. Copyright © Bible Money Matters – please visit biblemoneymatters.com for more great content.

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8 Tips for Improving HVAC Efficiency

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| Making Money

Heating and cooling is easily the most energy intensive system in your home. According to the U.S. Energy Information Association, heating and cooling is to blame for almost half of all the energy expenditure in the average American household, beating even the growing energy consumption of appliances and electronics. Thus, by properly maintaining your HVAC system, you can improve its efficiency and reduce heating and cooling costs dramatically. If you want to reap the savings of an efficient HVAC, here’s how.

8 Tips for Improving HVAC Efficiency

  1. Close Up Your Home
  2. Consider a Home Warranty
  3. Calibrate Your Thermostat
  4. Check Your Economizer
  5. Control Your VFD
  6. Cut out Your BAS
  7. Clean Your Coils
  8. Connect Timers

Here they are in more detail.

1. Close Up Your Home

If you have cold or hot air pouring into your home from outside, your HVAC unit needs to work harder than it should to keep your home the right temperature. Therefore, one of the most basic ways to improve HVAC efficiency is to seal and insulate your home. First, you should keep doors and windows closed whenever your HVAC is running; then, you should check that the insulation in your walls and attic (if you have one) is still doing its job. By doing this, you can reduce your heating and cooling costs by up to 20 percent.

2. Consider a Home Warranty

If you’ve ever wondered how to compare home warranty vs. home insurance, now is your chance to learn. Home warranties guarantee the systems of your home, like your HVAC, against the ravages of time. If your HVAC breaks down for any reason, you can contact your home warranty provider, who will send an HVAC specialist to diagnose and fix the problem for a low, flat fee around $70. Though a home warranty won’t keep your HVAC in tip-top shape, it will secure you against total HVAC failure.

3. Calibrate Your Thermostat

You shouldn’t just trust that your thermostat knows what temperature it is in your home. It is easy for thermostats to be anywhere from a percent of a degree to five whole degrees off from the true temperature, and that seemingly small difference will cost you over time. To be certain your thermostat is reading true, you need to purchase a trustworthy thermometer and keep it on the wall a few inches from your thermostat. Then, using that tool, you can calibrate your thermostat appropriately.

4. Check Your Economizer

Economizers are machines attached to your HVAC to ensure high efficiency, but they don’t always work as expected. Often, economizers slip their links or contain faulty controls—or else someone in the past tinkered with them improperly. You should pay a visit to your HVAC economizer and give it a once-over; look specifically for open dampers (which should be kept closed) and any signs of quick fixes, like string or unfinished wood, that could indicate issues.

5. Control Your VFD

A variable frequency drive (VFD) controls the speed of the motor in your HVAC unit, providing energy savings proportional to the rotations per minute. However, like economizers, VFDs can malfunction and/or can be interfered with, causing efficiency-related problems. You should peer into your VFD and ensure that it isn’t running on bypass mode, so you can reap appropriate energy savings.

6. Cut out Your BAS

A building automation system (BAS) provides centralized control of HVAC as well as lighting and other systems. Such systems usually only exist in larger structures with more complex energy and control needs, but if your home is in an apartment or condo building, you might be subject to a BAS. You should either try to remove a BAS that is impeding the proper use of your HVAC or else contact your building manager to express concern over the BAS functionality.

7. Clean Your Coils

On the same day you clean your refrigerator coils, you should also clean your HVAC coils. Because HVAC units are typically placed in out-of-the-way areas that are rarely cleaned – like your roof, your basement, your attic or a corner of your yard – it doesn’t take long for them to accumulate dirt and grime. Debris on your HVAC coils forces the machine to work harder to produce the same effects, and it can reduce indoor air quality. Thus, you should schedule a coil cleaning at least once per year.

8. Connect Timers

There is no sense in heating or cooling an empty home. When you are away – at work or on vacation – you should consider setting a more lenient temperature on your thermostat, so it doesn’t need to work so hard for no benefit. You can also connect timer switches to your most energy-hungry devices, like gaming consoles, desktop computers and appliances, for a similar effect.

Over time, your HVAC will become less efficient—unless you do something about it. By participating in preventative maintenance, you can reduce your home energy costs and avoid the high expense of repairing or replacing your equipment. 

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