worldscholarshipforum 780x470 1 - How to reduce your debt in 2022

How to reduce your debt in 2022

The year’s end means reflecting on the past and planning for the future. Goal setting for the new year is an excellent way to get 2022 off to a great start! What could be more important than planning your finances and reducing your debt?


Priorities change, and at the start of each year, it is good to set clear financial goals for the coming year. There are two main strategies you can take when paying off debt and taking control of your finances.

Snowball Method: This method is, for some people, the least overwhelming one. You first need to list all your debt from lowest to highest. Construct a plan where you first pay off the minimum necessary payment on credit cards, home loans, or anything else with an interest rate. Next, you use any additional money to pay off the smallest debts. As you clear smaller debts, it can be very motivating and might be a great option if you are someone who finds it hard to stick to a plan and stay focused.

High-Interest Rate Method: This method is precisely what it sounds like. You organize your debt starting with the highest rate, and after paying the minimum amount due on all debts, you pay off as much as possible from the highest. With this method, you will get out of debt faster and pay less money in the long run.


Source: Pixabay

Firstly, it is essential to determine the exact amount of debt you have. Lock yourself away for a few hours before the start of the new year and make a clear plan. It can be a little daunting to see the reality but starting from a truthful place is necessary. Know your credit card repayment date and set up automatic payments so that they are paid on time to avoid high interest charges. You will need to pay more than the minimum payment to make a difference, but don’t worry. Even a small overpayment can make a big difference over time.

Reduce interest rates

Interest makes a massive impact on the length of time it takes to repay your debts. Shop around and make sure you are paying the best possible interest rates. The highest interest rate you are most likely paying is your mortgage interest. The interest you pay varies by mortgage types, such as fixed, discount or tracker. The best way to understand if you are paying the best possible rate is to speak with a mortgage broker who can assess your circumstances and talk to you about the available options.

Many people are not aware that it is possible to negotiate a lower interest rate on your credit card. If you are a little nervous and unsure how to negotiate, you can find helpful negotiating guides online. Make sure you speak with someone with authority to discuss reducing your interest rate. It never hurts to ask. You can run your credit report online to get a clear view of what exactly you owe, to make sure you do not miss the smallest things.

How to reduce your debt in 2022 - How to reduce your debt in 2022

Source: Pixabay


When budgeting, take account of everything you spend. This includes significant monthly outgoings, like housing repayment or car loans, and more insignificant expenses like trips to the salon. Small things make a big difference. Cut anything that is not essential. For example, can you cut that gym membership that you never use or learn to do your own gel nails? Of course, everyone has different priorities in life, so it is individual. By sticking to a clear budget, you can see what areas of life are draining your finances, possibly unnecessarily.

If you are not willing to cut some things, your debt will take a lot longer to pay off. For example, the average takeaway coffee in the U.S. costs $2.7. If you drink two a day, that will equate to a savings of $2,007.50 if you start making your coffee at home. Making your own lunch rather than buying out can save you up to $2,400 a year.

Budgeting and reducing debt doesn’t mean a fun-free life. If you take small and consistent steps to reduce your debt, you can still plan to have enough in the budget for the things you enjoy. Keep a good track of your progress and keep the goal of a stress-free debt-free life in view. Once you have your financial plan in order, you can focus on planning something a little more exciting, like your new year’s party.

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Home Improvement

Reduce Energy And Maintenance Costs With New Home Builder In Sydney

Everyone nowadays appears to be attempting to reduce the expenses of powering and restoring their houses – rising utility rates and the implementation of the carbon tax have driven most people into a frenzy of cost-cutting.

If you’re considering building your own house, there are a number of ways that new home builder in Sydney may assist you in lowering your estate’s energy and maintenance expenses provided you select one that understands what they’re doing like New South Homes.

When you initially contact the builder you’ve chosen to create your house, make it clear that you’re searching for ways to save money on energy and upkeep. This will verify that the builder keeps this goal in mind from the very beginning of the design stages until the home is completed.

Construction And DuReduce Energy And Maintenance Costs cts

You would lessen the chances of draughts, humidity, dirt, allergens, and sound pollution when your new house builder verified that all holes and gaps were sealed (particularly in your heating and air conditioning). This is also a great way to improve the air quality in your house.


When your main house ground, walls, and attic space have been adequately insulated, you’ll discover this to be a very budget solution. Because the insulation promotes a uniform temperature throughout the home, air conditioners and warmers will be used less frequently.


Only hire a builder with expertise in the type of construction you’re interested in, such as modest houses or townhomes. Anyone can claim to be the finest; it’s another thing entirely to back up that claim with proof in the form of customer surveys and images of previous work. Before agreeing on the dotted line does your homework on the builder’s past.

Products And Fixtures

You can significantly lower the sum of cash you spent on electricity for your house when your builder has spent in and suggested energy star-rated items and accessories (such as light fittings, energy-efficient light globes, fans, furniture, and so on).


If you have energy-efficient windows installed in your house, you will notice that they continue to set warmth in throughout the winter and out during the summer. Even though they have two or more panes of glass that have been specifically treated to inhibit the transfer of heat, this is the case. This reduces the requirement for air cooling and heating once more.


It might be really beneficial to narrow down your search by location. This will save you the aggravation of locating the appropriate person for your task just to discover that they don’t work. To check what sort of responses you get when searching online, try including your suburb or town to the phrase “new home builders.” Also, always check the website for information on locations or recommended work areas.


If you’ve been considering ways to cut your energy and maintenance bills, you should approach your new home builder to see what they can do. As you can see from the list above, there are a variety of strategies to not only decrease your main house energy usage but also to lessen the requirement for upkeep in the future.

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Top 10 Ways to Reduce Fluoride

Fluoride is a natural mineral found in water, food, and the earth’s crust. Scientists believe that the consumption of water containing fluoride prevents tooth decay. Many water supply authorities add fluoride to water in the areas where the level of fluoride is low. Although fluoride has certain benefits, it also has some adverse effects on our health.

Excessive fluoride consumption can cause many health issues like skeletal fluorosis, neurological problems, thyroid, tooth and bone damage, etc. If the fluoride level in your area is high, it is better to do thorough research to reduce it.

Given the health hazards associated with excessive consumption of fluoridated water, you need tolearn how to remove fluoride from water at home. Here are the most common ways to reduce fluoride.

Reverse Osmosis

Reverse Osmosis, popularly known as RO, is an effective way that uses pressure to run the water through a permeable membrane and allows water molecules to pass through. This way, it separates any harmful elements and fluoride from your drinkable water.

Though it is a bit expensive and requires maintenance, it ensures the water is pure and drinkable for your family. Typically, people install it in their kitchen so that the water filtration system can treat your drinking and cooking water. You can also buy a whole house filter to be extra cautious.

Activated Alumina

Activated alumina produced from aluminum hydroxide by dehydroxylation is porous and solid. It absorbs fluoride and other contaminated elements from water and purifies it. These filters only work on the water with a pH level between 5 and 6. It is a complicated process, and thus you need to hire a professional.


Using a distillation unit also helps in removing fluoride from water. It was found that distillation units are more efficient than 99% water filters in reducing fluoride.

In the distillation process, the water is heated, and the steam evaporates. After this, it goes to another container leaving fluoride and other contaminated elements behind. It is a very affordable way to reduce fluoride from water.


Deionizer is a popular way to purify drinking water. It removes fluoride and ionizes salt present in water. It is an ion-exchange process in which water comes through resin beds.

You have to add a deionizer cartridge to your current water filtration system to purify water. Deionization is an affordable and best way to get fluoride-free drinkable water.

Avoid Consumption of Tap Water Directly

Whether your area has high fluoridated water or not, it is always advisable not to drink the water directly from the tap or well. You can boil the water and let it cool down, and drink it later.

Bone Char Carbon

Bone Char Carbon is the oldest known water purification process. Also known as Brimac char, it contains tricalcium phosphate that removes up to 90% fluoride and metal ions from water.

This black, granular solid efficiently removes contaminants like lead, arsenic, and cadmium. It comes in a filter cartridge form, and its high porous ionic surface removes both organic and inorganic materials.

Buying Bottled Water or Getting from Municipal Water Supply Chain

If the water in your area is severely contaminated, you can buy bottled water. Bottled water is pure and drinkable but buying it is not cost-efficient. So, check if your local municipality is supplying water in your area or not. Getting water from the municipal water supply authority is a cost-efficient way to get rid of fluoridated water.

Water Filter Pitcher

A water filter pitcher is an effective and simple way to improve the quality of water. Unlike other water filtration processes, a water filter pitcher doesn’t require installation.

You have to pour water and put it in the refrigerator. Reservoir, filter, and pitcher are the three main set-ups, where water enters into the reservoir, then goes to filter, and at the end, the filter holds the toxic elements and allows clean water to flow through it.

Gravity Water Filter

A gravity water filter is a conventional water purification process that effectively removes fluoride water. This filter consists of two sections- upper and lower sections.

One section contains the harmful elements, and the other section stores the purified water. It comes in various sizes, thus making it a portable tool for camping as well. It doesn’t require electricity and is a very cost-efficient way to filter your water.

Whole House Filter

For extra security, you can install a whole house filter. But it is expensive and requires high maintenance. For whole house filtration, you need to invest in an extensive filtration system. It purifies a large volume of water and ensures that every drop of water you are using is fluoride-free.


Fluoride prevents tooth decay, but excessive consumption of it can cause more harm than good. If you know that the water in your area is contaminated with fluoride, it is better to drink filtered water.

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