Make a few adjustments at home and save a ton on your bills

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How far would you need to go to save up on your bills? Apparently, not that far according to some financial experts. Small adjustments at home can help a person save hundreds, if not thousands, of dollars a year.


Let’s take a look at some of these minor changes.


First things first. If you have good internet connection, get rid of TV and magazine subscriptions. Almost everything a person needs can be found online. This eliminates the need for TV and print publications. While you’re at it, use the TV sparingly to save on electricity.


Unplugging devices at night before you go to sleep may seem la small act, but it can have a huge impact on your yearly budget. Since devices can suck energy from socket even when they’re turned off, unplugging them can save you $8 to $10 a month. That’s easily over $100 a year.

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As far as household fixtures go, doing away with ordinary faucets and replacing them with low-flow taps can cut the water bill in half. You can find these faucets in your nearest hardware store.


Insulated water tanks are also great at saving energy since it keeps water hot longer when you need it.


As the weather starts to get colder, open the windows as bit for natural air to cool the place instead of using the A/C or even a fan.


Do you want to share tips on how to save money? Feel free to do so in the comments section below.


Hello, my name is Steve Sorensen. I’m a CPA based in Colorado. I live for imparting financial advice. Learn more about me and the stuff I’m passionate about here.

Fintech trends to pay attention to as we near 2019

With the unprecedented rise of blockchain and its offspring cryptocurrency, the fintech industry has undergone seismic upheavals in recent years. Indeed, blockchain is considered by experts as the most disruptive technology to arrive in the last decade. But 2018 is almost over and other trends are on the rise. Let’s look at the top three emerging technologies that are, while by themselves mostly offshoots of blockchain, may prove equally disruptive.


The first trend to watch is the rise of Decentralized Apps or Dapps for short. Expect wider deployment of apps that work within the canopy technology of blockchain. With Dapps, an open-source software ecosystem will arise globally, pooling resources across a variety of machines, even from idle PCs. It is seen as both easy and secure to develop, leading to a more liberated, community-owned setup.

Data mining is already all the rage but expect it to gain a more streamlined policing infrastructure, benefiting those that harness data with transparency and honesty in mind. This is the immediate impact of the arrival of the GDPR or General Data Protection Regulation, which is now mainly implemented in the EU. Tech giant Microsoft is at the forefront of implementing GDPR restrictions on a more global scale.


Finally, as cryptocurrency gains more mainstream acceptance, so will the need for more secure processes. With this demand comes huge leaps in quantum computing technology. Quantum-powered PCs can do computations way beyond current standard computers, allowing for even faster fintech logistics handling and the solving of complex algorithms.


My name is Steve Sorensen and I’m a certified public accountant and business writer based in Colorado. I help provide companies with strategies for avoiding employee embezzlement, legally lowering taxes, and improving their overall financial structure. More finance tips and insights here.