Get Real Episode 1 – Technology Tuesday – November 12, 2013

Today we look at 2 high tech thermostats that will be more convenient and help you save money in the process.

More information about Nest & EverSense.

Nest Thermostat 

Most people leave the house at one temperature and forget to change it. So the Nest Learning Thermostat learns your schedule, programs itself and can be controlled from your phone. Teach it well and the Nest Thermostat can lower your heating and cooling bills up to 20%.EverSense Thermostat 

Is your schedule different today than it was yesterday? 
Going on vacation and want to save energy costs? 
Are you stuck in traffic or running errands on the way home from work? 
How can a smart thermostat accurately “learn” what your schedule will be with so many changes during your busy day? 
Let EverSense™ manage it for you! EverSense™ is easy to install and setup, start saving now!See 1000’s of homes for sale. Start your home search here.


Getting Out Of Debt Takes Planning And Discipline

Whether we’re financing monster homes, shiny new cars or exotic vacations, the statistics say Canadian households are up to their eyeballs in debt. So what’s a super spendthrift to do?

According to Gail Vaz-Oxlade, borrowers need to consider more than the lowest interest rate. Consider your personal discipline level. For the highly regimented, that means a line of credit as rates are low and there’s flexibility in paying it back. For those impulse buyers, fixed personal loans are best because paybacks can’t be dithered with.

When it comes to managing your debt, take the football approach. You need to tackle it. Go after high-interest loans such as credit cards first and be diligent about mowing those down.

Figure out who you owe money to and how much. Believe it or not, some people prefer to keep their head in the sand when it comes to paying the piper. Or perhaps they owe so many different credit cards and banks that they can’t keep track. Try using a calendar on your computer or mobile device. Set an alert a few days ahead to notify you that a payment is due.

Try not to miss payments. That affects your credit rating and makes catching up on debt repayment all the more difficult.

Work on building an emergency fund. Everyone needs one for those for, well, emergencies. If you don’t have one to dip into, you will likely go further into debt.

Finally, set up a monthly budget. This lets you see if you have enough money to cover your debts and to live. It gives you the heads up that you may need to take action if you don’t have enough money to back down your debt. If there’s money left over, earmark for debt repayment.

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Thank-you for reading our article about getting out of debt, contact us if you need anything or leave us a comment below.