If you own a home, you know that you need to figure home insurance rates into your monthly budget. A friend of mine, who had been renting, decided her bills would not change that much when she bought a home. She figured that she could easily afford a $900 mortgage and tax bill instead of an $850 rental bill. However, she failed to take a $150 homeowners insurance premium into account, and her budget was strained.

The object of reducing is to ultimately eliminate excess consumption in your household. In order to do this you’ll want to first measure how much consumption is in your home by determining how much garbage your family produces each week. Take note of what takes up the most space in your trash and try to reduce it.

Here are some suggestions of easy ways we can reduce the amount we are using and throwing away in our daily lives:

• Replace your incandescent bulbs with compact florescent light bulbs which consume much less energy.
• Look at the cleaning products in your home and replacing them with biodegradable cleaning products.
• Buy food in bulk, such as grains or cereals. Be sure not to buy large quantities of food that will spoil quickly.

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