Originally Posted by rickair7777

I use a credit card for almost everything, but pay it off each month.

The problem with cash is that $2 ATM fee while on the road...I don't want to carry around $400, so if I pull $200 I'm paying 1% just to use the ATM.

I'm not going to give up espresso, but we did get a decent machine for home use so I can save the starbucks tax when not on the road.

If you're going to be in your house for a while, do all the insulation upgrades. This will save big on the energy bills, and increase value when/if you sell.

Get a new water heater and HVAC system if yours is old...new ones are VERY effecient.