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		<title>It is cold and your water heater decides to die, now what?</title>
		<link>http://littlerespite.com/home-ownership/it-is-cold-and-your-water-heater-decides-to-die-now-what</link>
		<comments>http://littlerespite.com/home-ownership/it-is-cold-and-your-water-heater-decides-to-die-now-what#comments</comments>
		<pubDate>Fri, 25 Feb 2011 23:57:52 +0000</pubDate>
		<dc:creator>Subraya Mallya</dc:creator>
				<category><![CDATA[Home Ownership]]></category>

		<guid isPermaLink="false">http://littlerespite.com/?p=91</guid>
		<description><![CDATA[A month ago we got hit with a double whammy (if you count the battery in the van it is a triple whammy). In space of a week, our furnace and water heater jointly decided that this world is not interesting anymore and hence call it a day. All the fun behind owning a home [...]]]></description>
			<content:encoded><![CDATA[<div class="socialize-in-content" style="float:right;"><div class="socialize-in-button socialize-in-button-right"><iframe src="http://www.facebook.com/plugins/like.php?href=http://littlerespite.com/home-ownership/it-is-cold-and-your-water-heater-decides-to-die-now-what&amp;layout=box_count&amp;show_faces=false&amp;width=50&amp;action=like&amp;font=arial&amp;colorscheme=light&amp;height=65" scrolling="no" frameborder="0" style="border:none; overflow:hidden; width:50px !important; height:65px;" allowTransparency="true"></iframe></div><div class="socialize-in-button socialize-in-button-right"><a href="http://twitter.com/share" class="twitter-share-button" data-url="http://littlerespite.com/home-ownership/it-is-cold-and-your-water-heater-decides-to-die-now-what" data-text="It is cold and your water heater decides to die, now what?" data-count="vertical" data-via="littlerespite" ><!--Tweetter--></a></div><div class="socialize-in-button socialize-in-button-right"><script type="in/share" data-url="http://littlerespite.com/home-ownership/it-is-cold-and-your-water-heater-decides-to-die-now-what" data-counter="top"></script></div><div class="socialize-in-button socialize-in-button-right"><script src="http://www.stumbleupon.com/hostedbadge.php?s=5&r=http://littlerespite.com/home-ownership/it-is-cold-and-your-water-heater-decides-to-die-now-what"></script></div><div class="socialize-in-button socialize-in-button-right"><g:plusone size="tall" href="http://littlerespite.com/home-ownership/it-is-cold-and-your-water-heater-decides-to-die-now-what"></g:plusone></div></div><p><img class="alignleft" title="Water Heater" src="http://static.littlerespite.com/waterheater.jpg" alt="" width="120" height="264" />A month ago we got hit with a double whammy (if you count the battery in the van it is a triple whammy). In space of a week, our furnace and water heater jointly decided that this world is not interesting anymore and hence call it a day. All the fun behind owning a home &#8211; ha?</p>
<p>If my days were not already crazy enough, in California we were in the midst of one of the coldest winters. So it was pretty much like someone held a gun to your head. So we started a rapid research and deployment exercise. (Memo to myself : Use the same <strong>squeaky wheel does not get the oil</strong> formula you used at work at home too and attend to things that are working just fine).</p>
<p>Water Heater was relatively simple we thought &#8211; little did we know that the California code has changed since the last heater was installed. So also the advances in the water heater technologies in terms of efficiencies, ease of maintenance, not to mention the advances in the green paper (;) we need to give in return for a water heater.</p>
<p>So I thought, capturing some of the things we did might be useful for someone who finds themselves in this situation (tis not fun guys, I tell you). Granted it is not earth shattering but consider it as a ready reckoner in times of need. I will cover the water heater part here and get to the furnace part in the next post. Friday Afternoonitis has already kicked in.</p>
<h3>Capture your existing Water Heater specifications</h3>
<ol>
<li>Check the Capacity in gallons of your existing Water Heater.</li>
<li>Check the First Hour Rating (in gallons). This is the capacity in gallons of hot water you might expect to get if you came back from vacation and switched the heater on and used both the bathrooms and kitchen at the same time. Most plumbers say it is  - number of girls in the house times 20. So if it is 3 girls it is 60 gallons.</li>
<li>Check the energy efficiency rating. Higher the rating higher the savings. &#8211; Basically, it is spend less fuel loss and quicker heating.</li>
<li>Check the fuel type &#8211; Natural Gas, Electric or Propane Gas.</li>
</ol>
<p><strong>Note: </strong>Natural Gas would over time be cheaper since electricity is expensive (in states like CA especially). If you are on the East Coast, you are probably using oil. Electricity might not be that expensive.</p>
<h3>Opportunities to revisit past decisions</h3>
<ol>
<li>To go Tankless or stay with Tank water heater. Tankless has been potraiyed as the green thing to do, but for most households with school going kids and working parents &#8211; the craziness in the mornings &#8211; you are better off with tanked.</li>
<li>If you decide to shift allegiance to a new brand and model
<ul>
<li>to go with, check your local utility’s website to see the ones that are classified as energy efficient and chosen for rebates.</li>
<li>Check the EnergyStar website to see if the brand and model is rated well.</li>
<li>Check on sites like Consumer Reports &#8211; you can subscribe for just a month for few dollars</li>
</ul>
</li>
<li>Changing location of the water heater, if you have remodeled the house.</li>
</ol>
<h3>Start your hunt for the plumber</h3>
<ol>
<li>Identify the Plumbers in your area &#8211; using BBB (<a href="http://www.bbb.org/">http://www.bbb.org</a>). If you are one of those who don’t mind paying money , Angie’s List is another option. (I think it is a waste of money if you have to pay when the plumber makes the money).
<ul>
<li>Check the length of the existence of their business</li>
<li>Check if they have a A+ rating.</li>
<li>Check if there have been any complaints</li>
<li>Also see if they have a website and if they do check their services section to see what other services they provide. The more detailed they are on their site, the better your discussion is going to be with them</li>
<li>Shortlist the plumbers if they qualify your criteria (Get atleast 3-4 plumbers to give you quote</li>
<li>Call all the Plumbers one by one. Here are some things you should ask
<ul>
<li>If they will come and inspect and give you a quote &#8211; for free.</li>
<li>Ask them if they would not mind giving you  a reference of one of their past customers that you could talk to.</li>
<li>Check if they have permit to perform service in your area</li>
<li>Ask them if they do both Tankless and Tanked water heater.</li>
<li>Ask if they will haul away and dispose the old water heater.</li>
<li>Ask what warranty they give on their labor (should something goes wrong later)</li>
<li>Ask if they will get city permits or you should do. Some do and some don’t. Factor that cost in your competitive bid analysis. Note: Don’t go with anyone who says permits are not needed. A few extra dollars in permits might save you big in eliminating possibility of bad work. Also permitting ensures the work is done to code and does not come back to bite when you try to sell the house.</li>
<li>Check if they will buy the Heater or you should. There are pros and cons to both approaches. If you bought then you will be responsible for shipping and return in case you have problems. If the plumber delivers it as part of the overall replacement, then expect to pay a premium to the market cost of the same heater. You can decide on either route based on how handy you are. We decided to let the Plumber buy it but did the research on brands ahead of time and asked for a specific one we wanted. In case you were curious &#8211; we went with Bradford White. The other consideration was Rheem. If you ask me most brands sold in the warehouses are ordinary.</li>
</ul>
</li>
</ul>
</li>
</ol>
<h3>Few Additional things to keep in mind</h3>
<ol>
<li>You will find a broad band in the quotes you get. The best price is somewhere in the middle. The lowest quote does not mean the best. We got quotes in the range of $700 to $1400. We went with one around $900 dollars who was more open to our questions, consultative in nature. Also was also ready to come down on the price</li>
<li>If you have a natural gas heater, you are required to replace the flex-pipe that connects the gas inlet to the heater. The guys with lower bid might try to suggest, the one still there is good and can be reused.</li>
<li>Ask the plumber to show you how to flush the water. You will need to do it periodically &#8211; every 10 months would be good &#8211; so you don&#8217;t allow sediments to settle down and harden.</li>
<li>Ask the plumber to show you how to check the Magnesium anode rod. For those who are not aware &#8211; the magnesium anode rod &#8211; it is a sacrificial rod that prevents corrosion of the water heater from the inside. You should find good articles to read more on that if you searched for Magnesium Anode Rod.</li>
<li>If you have never done this before, also ask the plumber to show you how the Pilot is re-lit. This is the flame you ignite at the bottom of the heater for gas to burn and heat the water.</li>
</ol>
<p>I could go on, but then again my intention is not to make a plumber out of you and put those plumbers out of job. Have a nice weekend.</p>
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		<title>$40 energy bill – how we did it</title>
		<link>http://littlerespite.com/home-ownership/40-dollar-energy-bill-how-i-did-it</link>
		<comments>http://littlerespite.com/home-ownership/40-dollar-energy-bill-how-i-did-it#comments</comments>
		<pubDate>Fri, 04 Dec 2009 20:51:25 +0000</pubDate>
		<dc:creator>Priya Raman</dc:creator>
				<category><![CDATA[Home Ownership]]></category>
		<category><![CDATA[Energy Credit]]></category>
		<category><![CDATA[Energy Star]]></category>
		<category><![CDATA[Fans]]></category>
		<category><![CDATA[Florescent lamps]]></category>
		<category><![CDATA[Insulation]]></category>
		<category><![CDATA[Sound barrier]]></category>

		<guid isPermaLink="false">http://www.littlerespite.com/?p=33</guid>
		<description><![CDATA[In these tough economic times, we all try to find ways to save money. Grocery bill, eating out, movies, extra-shopping, travel all get put on the chopping block. As a homeowner, one of the big drains on our wallets have been our energy bills. Every year the natural gas and electricity rates seem to creep [...]]]></description>
			<content:encoded><![CDATA[<div class="socialize-in-content" style="float:right;"><div class="socialize-in-button socialize-in-button-right"><iframe src="http://www.facebook.com/plugins/like.php?href=http://littlerespite.com/home-ownership/40-dollar-energy-bill-how-i-did-it&amp;layout=box_count&amp;show_faces=false&amp;width=50&amp;action=like&amp;font=arial&amp;colorscheme=light&amp;height=65" scrolling="no" frameborder="0" style="border:none; overflow:hidden; width:50px !important; height:65px;" allowTransparency="true"></iframe></div><div class="socialize-in-button socialize-in-button-right"><a href="http://twitter.com/share" class="twitter-share-button" data-url="http://littlerespite.com/home-ownership/40-dollar-energy-bill-how-i-did-it" data-text="$40 energy bill – how we did it" data-count="vertical" data-via="littlerespite" ><!--Tweetter--></a></div><div class="socialize-in-button socialize-in-button-right"><script type="in/share" data-url="http://littlerespite.com/home-ownership/40-dollar-energy-bill-how-i-did-it" data-counter="top"></script></div><div class="socialize-in-button socialize-in-button-right"><script src="http://www.stumbleupon.com/hostedbadge.php?s=5&r=http://littlerespite.com/home-ownership/40-dollar-energy-bill-how-i-did-it"></script></div><div class="socialize-in-button socialize-in-button-right"><g:plusone size="tall" href="http://littlerespite.com/home-ownership/40-dollar-energy-bill-how-i-did-it"></g:plusone></div></div><p>In these tough economic times, we all try to find ways to save money. Grocery bill, eating out, movies, extra-shopping, travel all get put on the chopping block.</p>
<p>As a homeowner, one of the big drains on our wallets have been our energy bills. Every year the natural gas and electricity rates seem to creep up and at the same time our needs keep going up with more electrical gadgets and appliances. We don&#8217;t have to deprive ourselves of comfort but a few simple fixes and some elbow grease can save some extra cash here.</p>
<p><img src="http://static.littlerespite.com/40dollar_utilitybill.png" alt="" /></p>
<p>Here are some that we have done to get a low energy bill.</p>
<ul>
<li><strong>It&#8217;s not about the looks. </strong>Compact Fluorescent Lamps(CFL) come in ungainly designs and might not be the best thing to add to the aesthetics of your house. But they do come with a lot of savings. But how about dimmer lights ? Until recently, CFLs were not compatible with recessed or lights with dimmer options. It is no longer the case. There are some real rebates available for replacing bulbs. Shops tend to run promotions frequently and give away free CFLs.</li>
<li><strong>Unplug the sleeping monsters. </strong>With all the electronic gadgets, we have become slaves of these devices. Our work day and home life seem to overlap. So to accomplish more in the time we have we keep having all the gadgets connected at all times. Laptops, cellphones, DVD, iPhones seem to be connected all the time, even when they are not in use. If we are lucky they would be set to a stand-by mode that stops using power after a certain duration of being idle. A simple and easy step to save here is to make it a habit every night (to start with) as you go around the house locking up, to also unplug electronic items that are not in use. Any device connected continues to use electricity even when not in use. You can do well to attach these electronic items to a power strip and switch all the connected devices when not is use.</li>
<li><strong>Reduce the temperature and blanket the heater. </strong>Water heaters are big drain on the utility. Most of us have a conventional water heater &#8211; the one with the tank that keeps the water at a certain temperature through out the day and night. The first step is to turn down the temperature setting on these. The manufacturer (and doctors in some case) recommend ~120 degrees for households with children. We don&#8217;t usually use extremely hot water during summer so we keep it below 120 for the hot months. You should also insulate the heater and the pipes that carry hot water with insulation. A typical heater jacket costs around $40. If you are going on vacation, do not forget to set the heater to vacation mode.</li>
<li><strong>Light your presence, not your absence</strong>. A very simple and good habit to cultivate is to switch of lights (and fans) when you walk out of rooms and there is nobody in that room. We have points scheme for our kids if/when they switch off lights in rooms with no one.</li>
<li><strong>Warm yourself not the empty house. </strong>A programmable thermostat is a good investment &#8211; and most utilities have rebates for installing one. When programming the thermostat, make sure you set the furnace off during the hours when there is no one in the house. We also set ours to low (56 degrees) at the night time &#8211; when we are asleep under warm covers. It comes on in the wee-hours of the morning just in time for us to get up.</li>
<li><strong>Don&#8217;t heat the attic, You don&#8217;t live there. </strong>Insulating the attic is another simple and inexpensive way to retain heat in the house and keep your bills down. We followed the simple science concept &#8211; hot air rises and cold air sinks. We had some old R19 insulation in our attic &#8211; which was up to code 20 years ago. We decided to add another layer to it. The house is much warmer and heat stays in for a longer time in the winter and stays out during summer. So less heater during winter and fans during summer. Yes. We got a rebate from our utility for installing additional insulation. It was a simple, week-end project.</li>
<li><strong>Insulate the switches or they will drain you</strong>. One other place that is often overlooked and one that is simple to fix are the switches. Typically each room in the house has 4 electrical outlets and 1 or 2 switches. If you look behind the switch panels you will find them hollow and most have some space around the edges. We went around the house, placing a foam backing to each switch. These foam backings are cheap and are available in all home center. In some places where the switch plate was not sitting flush with the wall, we used clear caulk around the plate to stop the leak.<br />
<!--[Fast Tube]--><span id="lmi5MBRPDjY" style="display:block;"><a title="Click here to watch this video!" href="http://littlerespite.com/home-ownership/40-dollar-energy-bill-how-i-did-it#lmi5MBRPDjY"><img src="http://i.ytimg.com/vi/lmi5MBRPDjY/0.jpg" alt="Fast Tube" border="0" width="320" height="240" /></a></span><!--[/Fast Tube]--></li>
</ul>
<ul>
<li><strong>Plug the leaks</strong>. Baseboards in most houses are not flush to the wall. We used clear caulk on the top where the base board meets the wall and also between the floor and the baseboard. <strong>Bonus:</strong> As an additional benefit this will also help arrest ant invasion on rainy days.</li>
<li><strong>Use a fan to keep you hot or cold. </strong>We don&#8217;t have an AC and have never felt the need for one. But we do have ceiling fans and these actually help us during the winter too. We run them in the reverse direction &#8211; that pushes the warm air down (remember hot air rises). And on hot summer days &#8211; it makes us feel a few degrees cooler.</li>
<li><strong>Cocoon the house</strong>. We had our exterior walls insulated with blow-in cellulose insulation. This cost us $800 (minus the rebate of course! ). This not only made the house warmer but also reduced the noise from the street &#8211; an added bonus.</li>
<li><strong>Get your house a new set of glasses. </strong>Of course the most expensive project we undertook was to replace the old drafty aluminum windows with vinyl dual-paned windows &#8211; that was 6 years ago (I don&#8217;t even want to think about how much we spent then). But these days it costs less that what we paid then and there are more options &#8211; triple paned windows with UV protection and neutral gas etc. <strong>Bonus:</strong> This reduced the noise from the street behind us.</li>
<li><strong>Free solar power. </strong>A concerted effort we made this summer and continue do on sunny winter days is to use the free solar power we get from Sun. We started drying our clothes in the sun (shade for colors). A small investment in clothesline can easily be recovered by the savings in the dryer bill.</li>
</ul>
<p>We started our &#8220;Energy project&#8221; a few years ago and slowly made simple changes to our daily life. We were rewarded over the summer when for the first time, our utility bill came to just $30. As an added bonus our utility company gave us a 20% discount on one month&#8217;s bill for reducing our usage by 20% from the previous year.</p>
<p>So it is possible for anyone to do this and we have proven that it can be done. Simple changes can save extra $$$ to your wallets.</p>
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		<title>Going Green – where do I start?</title>
		<link>http://littlerespite.com/home-ownership/going-green-where-do-i-start</link>
		<comments>http://littlerespite.com/home-ownership/going-green-where-do-i-start#comments</comments>
		<pubDate>Thu, 26 Nov 2009 22:10:50 +0000</pubDate>
		<dc:creator>Subraya Mallya</dc:creator>
				<category><![CDATA[Home Ownership]]></category>
		<category><![CDATA[Energy Star]]></category>
		<category><![CDATA[Recycle]]></category>
		<category><![CDATA[Sustainable]]></category>
		<category><![CDATA[VOC]]></category>

		<guid isPermaLink="false">http://www.littlerespite.com/?p=17</guid>
		<description><![CDATA[Going Green is the topic du-jour these days. Every thing we do is looked at from the sustainability angle. We have been Paper Bags: While buying groceries always pack them in paper bags. Paper bags are usually made of recycled paper and easily recyclable themselves. Plastic bags, going into the landfills cause more harm by [...]]]></description>
			<content:encoded><![CDATA[<div class="socialize-in-content" style="float:right;"><div class="socialize-in-button socialize-in-button-right"><iframe src="http://www.facebook.com/plugins/like.php?href=http://littlerespite.com/home-ownership/going-green-where-do-i-start&amp;layout=box_count&amp;show_faces=false&amp;width=50&amp;action=like&amp;font=arial&amp;colorscheme=light&amp;height=65" scrolling="no" frameborder="0" style="border:none; overflow:hidden; width:50px !important; height:65px;" allowTransparency="true"></iframe></div><div class="socialize-in-button socialize-in-button-right"><a href="http://twitter.com/share" class="twitter-share-button" data-url="http://littlerespite.com/home-ownership/going-green-where-do-i-start" data-text="Going Green – where do I start?" data-count="vertical" data-via="littlerespite" ><!--Tweetter--></a></div><div class="socialize-in-button socialize-in-button-right"><script type="in/share" data-url="http://littlerespite.com/home-ownership/going-green-where-do-i-start" data-counter="top"></script></div><div class="socialize-in-button socialize-in-button-right"><script src="http://www.stumbleupon.com/hostedbadge.php?s=5&r=http://littlerespite.com/home-ownership/going-green-where-do-i-start"></script></div><div class="socialize-in-button socialize-in-button-right"><g:plusone size="tall" href="http://littlerespite.com/home-ownership/going-green-where-do-i-start"></g:plusone></div></div><p><img class="alignright" src="http://static.littlerespite.com/goinggreen.png" alt="" width="108" height="114" /><br />
Going Green is the topic du-jour these days. Every thing we do is looked at from the sustainability angle. We have been</p>
<ol>
<li><strong>Paper Bags: </strong>While buying groceries always pack them in paper bags. Paper bags are usually made of recycled paper and easily recyclable themselves. Plastic bags, going into the landfills cause more harm by polluting the soil with all chemicals that went into making plastic. If I was a shop owner, I would have made paper bags free and charge for plastic bags to prevent people from using them and if possible not even have plastic bags. Even better, follow the Bring-Your-Own-Bag (BYOB) for shopping.</li>
<li><strong>Energy Start Appliances:</strong> Only buy appliances that are tagged by <a title="Energy Start" rel="nofollow" href="http://www.energystar.gov/">Energy Star</a>. If you have old refrigerators, Owens, water heaters, dishwashers, washer/dryers that are old and given you the value for the price you paid, consider buying new ones. A lot of innovation has happened in the technology that make up the appliances, from say 5 years ago, so in addition to the new appliances jazzing up your house, they might save you $$. For attic fans, try a solar fan. People in California, Texas, Arizona etc who get sun for more than 2/3 of the year there is no excuse to not try Solar. I am planning to put a Solar powered fan in my attic and from what I have read it seems like panacea.</li>
<li><strong>Unplug:</strong> Switch off electrical appliances, lights, fans, computers when not in use. They consume electricity (at least some amount) even when they are not in use. Set the computers to be in Power Save mode so if you don’t want to shut it off at least it goes into hibernation. Personally, I connect my computer to power till the battery is fully charged and then run it on the batteries till I need recharge.</li>
<li><strong>CFL:</strong>Try and replace bulbs with compact florescent lamps the next time you replacing one. CFLs not only reduce the carbon dioxide released to the environment it will also save a few dollars in electricity bill. To make it more sweet, these CFLs last 10 times longer than regular bulbs. <strong>Note:</strong> While replacing bulbs make sure the old bulbs are recycled as they contain mercury which is harmful to the environment, if included in waste.</li>
<li><strong>Ceiling Fans</strong>: Without getting too technical aspects, I am sure all of you know that hot air in a room rises to the ceiling. Having a ceiling fan running with circulate the hot air and will make the entire room warmer.</li>
<li><strong>Green</strong>: Planting a couple of trees, around your house, that provide shade to your house is another way to reduce heat in the house. No heat in the house – no need for that Air Conditioner or Fan to run.</li>
<li><strong>Home Insulation: </strong>Insulate your house walls. The benefits of insulation are multi-fold
<ul>
<li>It reduces the heat from getting in the house during summer</li>
<li>It stops heat from dissipating out during winter</li>
<li>It reduces the noise from outside</li>
<li>Depending on where you live you might even get rebates from your local utility. We got our walls insulated with cellulose (shredded recycled newspaper) and it made a world of difference during summer not to mention the reduction in noise from outside.</li>
</ul>
</li>
<li><strong>Filter: </strong>Change the filter on your gas heater and clean your heat vents regularly (once a month is great). This would greatly reduce the energy consumption.</li>
<li><strong>Recycle:</strong> Recycle your batteries, cooking oil. Most waste companies and cities have multiple drop off locations in every city for used oil and used batteries. Re-chargeable batteries, while their life is not great, are still much better than use-and-throw batteries. On a average a rechargeable battery comes for at least 30-40 charges.</li>
<li><strong>Cooking: </strong>Use Microwave for cooking most of the food (or preparing the food). That is the best and energy efficient way to cook.</li>
<li><strong>Insulation: </strong>Insulate the water heater and water pipes with insulation. While I have not tried the tank-less water heater due to the design of my house, I have heard people having good experience. So if appropriate it is worth a try.</li>
<li><strong>Paint:</strong> If painting the house, a good option to consider &#8211; especially indoors is a low VOC or a zero VOC paint. Most of the leading paint manufactures have lines of paint with low or zero VOC paints. There are also natural paints that are made from natural, non-toxic materials. We used Kelly-Moore low-VOC paints in our house &#8211; no odors even while painting.</li>
<blockquote><p>VOC (<strong>Volatile organic compounds)</strong> refers to organic chemical compounds which have significant vapor pressures and which can affect the environment and human health. &#8211; Source Wikipedia</p></blockquote>
<li><strong>Double Pane windows:</strong> While it is not my intent to make you spend more of your hard earned money, I would strongly advice on a double pane window throughout the house. The benefits are same as insulation. Reduces heat dissipation and noise from outside. It pays off within 4-5 years but has a much longer life. So it keeps on giving. The additional noise barrier it provides is a bonus !!</li>
<li><strong>Car Wash: </strong>If you are one of those who washes their own car, make sure you use eco-friendly car washing solutions. If you are using soap, and letting the water from car wash run into public drainage system, then all you are doing is polluting the ocean where this water ultimately ends up. Try and use a full service car wash nearby. They have water recycling process and they do not let the water from car wash go into the ocean. Alternately, if your kids schools is conducting a car wash to raise funds, use that.</li>
<li><strong>Electronic billing:</strong> Most companies, utilities, banks, financial services firms, credit card companies provide option to signup for paperless billing. They have PDF based statements. They not just save trees and they also allow you to save space at home. No more filing statements in a file. Download the PDF version onto your computer. – a simple document management system for all bills.</li>
</ol>
<p>These are things we have done at home and benefited by it. Would love to hear what you have done.</p>
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