In retrospect on my birthday

It will be my birthday a few days from now.  At this stage of my life, I only wish for simple things, good health and more years to see through my children raise their own family.  I may not be that old, but there are health issues that need to be addressed to achieve a life that I wish for. While I’m working on my personal health goals, I’m trying to steer clear of unpleasant things, situations, and even people that would bring out unnecessary stress.

Photo by Dan Prado from Pexels

Me time is all that I ask for my birthday.  I just want to stay at home and enjoy watching new shows on Netflix. I want to free my mind of worries for a moment while lounging on the couch or lie in bed with that super soft Foam By Mail cushion. (In retrospect, the closed cell foam sheets in our bed have also helped a lot in easing out the muscle and joint pains.)

Cheers to 49!

Spring Cleaning Your Budget

It is time for spring cleaning, and those backsplash tiles aren’t the only things that are messy. Chances are your budget could use a little cleaning too. Focusing on just a few areas can yield hundreds in savings each month.

Get Insurance Quotes

Your mortgage may be fixed for 30 years, but your homeowner’s insurance is a different story. Car insurance rates also change drastically over time as drivers age, liens shrink and tickets drop off your record. Spend an afternoon reviewing your coverage and average costs in your area. You may want to email or call your current agent, but also do a search like insurance quotes lodi ca in case a move to a new company is in order.

Consider New TV Strategies

Cable and satellite television rates keep going up but watching television can become cheaper than ever. Options like Apple TV require a pricey initial outlay for equipment but allow subscriptions that add up to just a fraction of your current monthly bill. No matter which devices or services you choose, most alternatives will produce an overall savings in just a few months.

Look At Different Phone Plans

Mobile phone carriers raise rates regularly, but people often stay with the same carrier year after year just to avoid the hassles of switching. If you live in a place where coverage varies little from one provider to another, switching may be worth the hassle. Prefer to stay with your current carrier? Okay, but remember companies offer new plans all the time. Review your actual usage and see if one of the more recent packages will serve your needs while saving you money.

Eat At Home More

Add up what you spend each month on restaurant food, including nice dinners out and grabbing a quick lunch on the go. You will be shocked. It is much cheaper and healthier to make food yourself. This one is better for your wallet and your waistline—how can you go wrong?

Signs that Your HVAC System Needs to be Repaired

Even though your heating and cooling system will last for 12 to 15 years, there will come a time when it needs to be repaired or replaced. If you want to know when you should start Googling “heating and cooling Harris County TX,” you will need to be on the lookout for some of the following signs.

Higher Energy Bills

While it is quite possible that higher energy bills might come from simply turning your temperature too high or running your AC too long, a higher than usual utility bill when your heating and cooling habits haven’t changed is a good indicator that your HVAC system isn’t working as efficiently as it once did. If some adjustments to your thermostat don’t change anything, it might be time to contact an HVAC technician to take a look at your system.

Strange Noises

A furnace or air conditioner should be almost silent when it is turned on, so hearing things such as rattling, knocking, or anything other than a faint whoosh when your system is turned on is definitely cause for alarm.

An Old HVAC System

As we said before, a good HVAC system will work reliably for 12 to 15 years. Your own system might work well beyond that if you’ve been able to maintain it well enough, but it will start to show its age around that time. You might be able to have it repaired and get some more life out of it, but you are usually better off buying a replacement instead.

Uneven Heating or Cooling

Even though every room in your home won’t heat up or cool down at the same rate, you should still feel a relatively consistent temperature throughout your house. If certain rooms in your home are too warm or too cool when you have your system turned on, you probably have some dirty ducts or vents that need to be cleaned out. You might be able to clean out some of the vents, but the ducts themselves will require the service of an HVAC technician.