Are You a New Homeowner? Read This to Save Money

Are You a New Homeowner? Read This to Save MoneyBuying your first home is likely one of the most rewarding experiences you’ve had to date. All the hard work of searching, saving, and planning has paid off. Whether you’ve allotted money for getting on your feet with a mortgage or not, there are some tips every new homeowner can try to start putting more money in their pockets each month. In addition to protecting your new investment with a customized NYHome Insurance policy, consider the following money-saving advice.

Install ceiling fans.

Think about it, how often do you run your AC? If it’s the middle of summer, the answer is likely “all the time.” Save a few extra bucks each month on your electric bill by installing cost-effective ceiling fans in each room instead. A little up front cost goes a long way — ceiling fans circulate cool air throughout the house without relying on expensive air conditioning 24/7.

The most important thing to know is that the air directly below the fan should be blowing down on you in the summer and should be pulled upwards away from you in the winter — you can use the reversal switch on your fan to switch between the modes at the start of each season, explains The Simple Dollar.

Use a programmable thermostat.

This is 2017, everything is digitalized, and your thermostat is no exception. If no one is home all day, there’s no use in running the air or heat. Program your thermostat to come on as you get home from work and turn off as you leave the next day, or as you please.

Insulate the home.

Without the proper insulation, your home could be losing heat and cool air without you knowing, and racking up your energy bill simultaneously. Take a look in your attic and see if there is insulation between each beam. If not, there should be. Installing the right amount of insulation can save you a LOT of money, so prioritize this sooner rather than later.

About The Rubin Group

Based in New York, The Rubin Group provides insurance in most of the 50 states. Our full-service insurance brokerage provides insurance and risk management services to individuals in all income brackets and businesses of all sizes and types. We understand that every client has unique coverage requirements, and we are passionate about providing the ideal individualized coverage for each customer. Each member of our team takes the time to truly understand your situation, the particular risks you anticipate – and the very real risks you’ve not yet contemplated. For all of your insurance needs, contact us at The Rubin Group!