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Question
Hi,
I have a question about utilities: I want to save the most money from it:
I live in an apartment of four rooms with 6 people: I pay the following for utilities:
1. Electricity $110
2. Cable, Internet, Phone bill: $67
3. Water $290
4. Food $500
5. Car $300
It look a little over:
How do I save the most money from all of this? eg. can I used less gas by getting free gas mileage. Can I used better electricity wire. Can I spend less on food by using coupon. How do I save the most money from these utilities?
Note: can you answer each one with specific answers.
HENRY--
I don't know who you sent your AllExperts Inquiry to, but it wasn't me. I found it in the QUESTION BOX and saw that it had been unanswered for almost a month now.I suspect that whoever you sent it to should have eiother REJECTED it, as it's Questions are really ones that a Real Estate "Expert" can't answer. Or ANSWERED it by telling you that "free gas mileage" certainly would help,but "better electricity wire" wouldn't be helpful--using less electricity would! Clipping and using Coupons can keep your Grocery Bills down, unless you have to drive all over town to get one thing here & another there. And you have to be careful that you don't "overpay" for things that aren't on Coupon.Have your family turn off lights in rooms when leaving a room, don't use more water than needed, and walk or Bike whenever possible!
How can you save the most money? First,DEVELOP A FAMILY BUDGET that directs a certain amount of your monthly income to the "Neccessities,"then directs any other income to "Fun" stuff," and "stick to the BUDGET." Next open a SAVINGS ACCOUNT,and make a "Neccessities" deposit to it every month!
Good Luck, Henry!
-JIM
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Jim Root
Expertise
How to select the right Real Estate Salesperson & Loan Officer--ones who will serve your best interests! House-hunting tips & suggestions on selection of the home best for your family needs. Introduction to the Home Buying Process & all the "Players" involved.What is of utmost important to the Homebuyer? Real Estate Contracts & Negotiations, Appraisal needs, Title Co. involvement, Home Inspection issues& the Closing/Escrow systems, etc. Whatever your question, the answer will follow, whether from personal knowledge or research! Gale, shown here with me, has been a Real Estate Office Administrator, licensed Realtor & has served as my Research Assistant over the years!
Experience
Over 30 years as a "Real Estate Professional." including Real Estate Marketing & Sales, Appraisal work, Mortgage Banking & as a Realty Officer with U.S Dept. of HUD's FHA Homeownership Division in Alaska, Washington & Idaho! Some experience in Montana, California, Utah & Nevada markets!Knowledge of National Markets by continuous Research!
Organizations
Former member of Nat'l Ass'n of Realtors (NAR) & Mortgage Bankers Ass'n of America (MBAA). Currently with National Association of Review Appraisers & Mortgage Underwriters (NARA/MU).
Publications
Published in various local, state, regional & national Real Estate-related magazines & newsletters!Co-author of various Govt. publications on Homeownership, Appraisals & Mortgages while with HUD/FHA.
Education/Credentials
Associate Degree in Real Estate Studies plus:
Numerous Real Estate-related Courses conducted by the U. S. Government & Private Industry over the past 30 years.
Bachelors Degree in Mass Communications,
Masters Degree in Education/Teaching
Awards and Honors
Professional Designations: Certified Residential Originator (CRO) from MBAA, Registered Mortgage Underwiter (RMU) & Certified Review Appraiser (CRA) from NARA/MU. Outstanding Peformance Awards for 10 of the 12 years with HUD/FHA & numerous Sales/Listing Awards while a licensed Real Estate Agent.
Past/Present Clients
No longer selling/listing Real Estate, nor Appraising properties, nor working in the Mortgage business, this "Real Estate Pro" serves as Director of a Company that provides Professional Development Seminars & Workshops to the "Real Estate Industry" and provides free (as needed) & fee-paid (on a sliding scale) consulting & inspection services to members of the general public.Your questions will be answered without "salesmanship" & with your best interests in mind!
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