Travel Now While You’re Young, or Save and Travel Later?

by Mrs Money

travel-while-young-and-able-life-quotes-sayings-pictures Have you seen this quote circulating the internet? I’ve seen quite a few people post it on Facebook and I have mixed feelings about it.  On one hand, I love it because I love to travel and I’d much rather spend money on traveling than crap that will clutter up my house.  On the other hand, I don’t agree with it because I don’t believe in spending money you don’t have or going into debt just to take a vacation.  We’ve been kicking around the idea of traveling to Colorado for a week to visit family but the logistics and money issue has been making us hesitant.  We want to be responsible but I also don’t want to regret our choices later.  Here are some of the things we’ve been taking into consideration:

Money has been tight because we’re a one modest income family.  Every day I wake up thankful for what we have: a roof over our heads, food in our fridge and pantry, health insurance, good health, happiness, family, etc.  However, each month we don’t have hundreds of dollars left over.  We’re totally fine with that and don’t feel deprived at all.  We feel like we live really well for what our income is!  The only downfall is that there really isn’t extra money to pay for the three of us to fly to Colorado, and driving 17 hours  (not including stops) with a three year old does not sound like something I’m up for.  I could totally be wrong, but just the thought of it makes me feel a little loony. I’ve done the drive quite a few times without a child, and I know how badly I want to escape that car after I’ve been in it for a few hours!

The thing that I worry about is regretting not going.  Family won’t be around forever, and Penny hasn’t seen her one set of grandparents in a year.  That really makes me sad.  I feel like spending time with family is very valuable and don’t want our lack of money to overrule that.  However, taking money out of savings or going into debt just doesn’t seem like a good solution to our problem.  We should be saving for Christmas, for when Mr. Money’s paychecks don’t have overtime, etc.  There are many things we should be saving for and pulling money out of our emergency fund for a non-emergency just doesn’t sound sensible.

I know that a lot of the time I personally overanalyze things and worry too much about whatever so I’m afraid my judgement is clouded on this one.  I guess one good thing is that both Mr. Money’s mother and father plan on making trips to see us within the next 3-4 months so that will be nice!  It would be easier for us to all go out to Colorado so all of the family members could see us, but I guess we have to make sacrifices!

What is your opinion- do you think you should travel while young and just not even consider the money, or should you save and travel later?


Are Blinds The 2015 Answer To Double Glazing?

by Mrs Money

Cast your mind back a couple of decades ago and two words were running off the tongue of most governmental authorities and home improvement experts; double glazing. This was the big concept back then and while it had been around a number of years, it’s only fairly recently that there was a big push to get it installed in most homes around the country.

The reasons are simple; double glazing shreds your energy bills. It offers significant thermal savings and in an age where our energy charges are always on the rise, this is of upmost importance. The science was fairly straightforward to follow as well which obviously helped its caused, with the extra layer unsurprisingly providing a further barrier against the elements.

However, we’re now reaching an era where further improvements are being suggested. As you may have gathered from the title, window blinds fall into this category and are arguably the 2015 equivalent to what double glazing was “back in the day”. More and more people are suggesting them and if we start to scrutinize the energy savings, it’s no surprise why.

A lot of the fuss relates to products that have specifically been released to target those homes that are looking to shave their bills. Forget roller and roman blinds, we’re now talking about insulated shades. They have a honeycomb-like design, meaning that heat can be trapped and be ultimately prevented from escaping a room. Additionally, any cold air can stop entering the property, which just multiplies the benefits.

While a piece of material (or several, depending on just how thick you want to buy your insulated shades in) might not seem like a big barrier to the cold, statistics suggest that it most certainly is. In fact, one study showed that some houses will save $500 a year after installing these products, so the savings can be marvelous.

Funnily enough, they can also work in very hot climates. They just function in the reverse way that we’ve been talking about; they stop the warm air from penetrating the glass and prevent your room from turning into a greenhouse.

However, if you do happen to reside in a warm environment, it will be the thermal shade that probably benefits you more. This has been designed to stop UV rays flooding into your home, whilst still allowing natural light into the property. In other words, you won’t look like a recluse with your window blinds shut all day, while your home won’t reach boiling point due to the heat filtering in.

Of course, we don’t seriously believe that window blinds are going to gather the euphoria that double glazing had several years ago. The point we are trying to make is that the savings from these window treatments can be significant and in some ways, these can be likened to the double glazing benefits.

Therefore, if you are on a crusade to lower your energy spend, your windows could again be somewhere that reaps the best rewards from this form of investment.

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