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How Can I Prepare for Higher Fall & Winter Utility Bills? · Becoming Financially Confident

• 0:37
  Hey,
• 0:37
  as
• 0:38
  the
• 0:38
  days
• 0:38
  get
• 0:38
  shorter
• 0:39
  and
• 0:39
  the
• 0:39
  air
• 0:39
  turns
• 0:40
  crisp,
• 0:40
  does
• 0:41
  the
• 0:41
  thought
• 0:41
  of
• 0:41
  those
• 0:41
  sky
• 0:42
  high
• 0:42
  heating
• 0:42
  bills
• 0:43
  fill
• 0:43
  you
• 0:43
  with
• 0:43
  dread?
• 0:44
  What
• 0:44
  if
• 0:45
  you
• 0:45
  could
• 0:45
  prepare
• 0:45
  your
• 0:46
  home
• 0:46
  for
• 0:46
  colder
• 0:46
  weather
• 0:47
  and
• 0:47
  keep
• 0:47
  your
• 0:47
  family
• 0:48
  warm
• 0:48
  and
• 0:48
  cozy
• 0:49
  without
• 0:49
  those
• 0:50
  shock
• 0:50
  and
• 0:50
  utility
• 0:51
  statements?
• 0:51
  Well,
• 0:51
  stick
• 0:52
  with
• 0:52
  me
• 0:52
  today
• 0:52
  because
• 0:53
  I've
• 0:53
  got
• 0:53
  some
• 0:53
  great
• 0:54
  ideas
• 0:54
  on
• 0:54
  exactly
• 0:55
  how
• 0:55
  to
• 0:55
  make
• 0:55
  that
• 0:55
  happen
• 0:56
  on
• 0:56
  today's
• 0:57
  show.
• 0:59
  This
• 0:59
  is
• 0:59
  Financially
• 1:00
  Confident
• 1:00
  Christian,
• 1:01
  your
• 1:01
  daily
• 1:02
  dose
• 1:02
  of
• 1:02
  gospel
• 1:03
  grounded
• 1:03
  insight
• 1:04
  and
• 1:04
  faith
• 1:04
  driven
• 1:04
  tips
• 1:05
  to
• 1:05
  help
• 1:05
  you
• 1:06
  break
• 1:06
  the
• 1:06
  cycle
• 1:06
  of
• 1:07
  financial
• 1:07
  shame
• 1:07
  with
• 1:08
  confidence.
• 1:10
  Hey
• 1:11
  there
• 1:11
  and
• 1:11
  welcome
• 1:11
  back
• 1:11
  to
• 1:12
  your
• 1:12
  Financially
• 1:12
  Confident
• 1:13
  Christian.
• 1:13
  I'm
• 1:13
  Ralph
• 1:14
  and
• 1:14
  this
• 1:14
  is
• 1:14
  the
• 1:14
  show
• 1:14
  that
• 1:15
  helps
• 1:15
  you
• 1:15
  answer
• 1:15
  that
• 1:16
  question,
• 1:16
  how
• 1:17
  can
• 1:17
  I
• 1:17
  become
• 1:18
  a
• 1:18
  financially
• 1:19
  confident
• 1:19
  Christian?
• 1:20
  And
• 1:20
  we're
• 1:20
  in
• 1:20
  our
• 1:21
  series
• 1:21
  Smart
• 1:21
  Money
• 1:22
  for
• 1:22
  Back
• 1:22
  to
• 1:22
  School
• 1:23
  and
• 1:23
  beyond.
• 1:23
  We're
• 1:23
  talking
• 1:23
  about
• 1:24
  smart
• 1:24
  ways
• 1:25
  to
• 1:25
  save
• 1:25
  money,
• 1:26
  to
• 1:26
  spend
• 1:26
  money
• 1:27
  and
• 1:27
  really
• 1:27
  prepare
• 1:28
  for
• 1:28
  the
• 1:28
  back
• 1:28
  to
• 1:28
  school
• 1:29
  time.
• 1:29
  Now
• 1:29
  if
• 1:29
  you
• 1:30
  missed
• 1:30
  yesterday's
• 1:31
  show,
• 1:31
  we
• 1:31
  talked
• 1:31
  about
• 1:32
  optimizing
• 1:32
  your
• 1:32
  budget
• 1:33
  by
• 1:33
  reevaluating
• 1:34
  those
• 1:34
  subscriptions
• 1:35
  and
• 1:35
  memberships.
• 1:36
  So
• 1:36
  if
• 1:36
  you
• 1:36
  missed
• 1:36
  that
• 1:37
  show,
• 1:37
  I
• 1:37
  encourage
• 1:37
  you
• 1:37
  to
• 1:38
  to
• 1:38
  go
• 1:38
  check
• 1:38
  it
• 1:38
  out.
• 1:38
  You
• 1:39
  can
• 1:39
  do
• 1:39
  that
• 1:39
  always.
• 1:40
  At
• 1:40
  Financially
• 1:41
  Confident
• 1:41
  Christian,
• 1:42
  I
• 1:42
  gave
• 1:42
  you
• 1:42
  some
• 1:42
  great
• 1:42
  tips
• 1:43
  on
• 1:43
  how
• 1:43
  to
• 1:43
  beat
• 1:44
  those
• 1:44
  budget
• 1:44
  drains.
• 1:45
  Now
• 1:46
  today
• 1:46
  we're
• 1:46
  talking
• 1:46
  about
• 1:46
  another
• 1:47
  budget
• 1:47
  dream.
• 1:48
  We're
• 1:48
  going
• 1:48
  to
• 1:48
  build
• 1:48
  on
• 1:49
  that
• 1:49
  and
• 1:49
  talk
• 1:49
  about
• 1:49
  another
• 1:50
  common
• 1:50
  seasonal
• 1:51
  expense.
• 1:51
  This
• 1:51
  one
• 1:52
  my
• 1:52
  son
• 1:52
  brought
• 1:53
  to
• 1:53
  my
• 1:53
  attention
• 1:53
  as
• 1:53
  he's
• 1:54
  getting
• 1:54
  his
• 1:54
  new
• 1:54
  apartment.
• 1:55
  He
• 1:55
  said,
• 1:55
  dad,
• 1:56
  how
• 1:56
  do
• 1:56
  I
• 1:56
  prepare
• 1:57
  for
• 1:57
  higher
• 1:57
  fall
• 1:58
  and
• 1:58
  winter
• 1:58
  utility
• 1:59
  bills?
• 1:59
  With
• 2:00
  some
• 2:00
  saving
• 2:01
  energy
• 2:01
  saving
• 2:02
  tips,
• 2:03
  Some
• 2:03
  savvy
• 2:04
  energy
• 2:04
  saving
• 2:04
  tips
• 2:05
  in
• 2:05
  fact.
• 2:06
  So
• 2:06
  today's
• 2:07
  question
• 2:07
  is
• 2:07
  really
• 2:07
  this.
• 2:08
  It's
• 2:08
  how
• 2:08
  can
• 2:08
  I
• 2:08
  prepare
• 2:09
  for
• 2:09
  higher
• 2:09
  fall
• 2:10
  and
• 2:10
  winter
• 2:10
  utility
• 2:11
  bills?
• 2:12
  Listen,
• 2:12
  I've
• 2:12
  been
• 2:13
  there
• 2:14
  summertime
• 2:14
  right
• 2:15
  now,
• 2:15
  at
• 2:15
  least
• 2:15
  it
• 2:15
  is
• 2:15
  where
• 2:16
  I
• 2:16
  am
• 2:16
  here
• 2:16
  on
• 2:16
  the
• 2:16
  east
• 2:16
  coast
• 2:17
  and
• 2:17
  nanny
• 2:18
  too
• 2:18
  far
• 2:18
  away
• 2:18
  before
• 2:19
  it
• 2:19
  gives
• 2:19
  way
• 2:19
  to
• 2:19
  cooler
• 2:20
  temperatures.
• 2:20
  And
• 2:20
  all
• 2:20
  of
• 2:21
  a
• 2:21
  sudden
• 2:21
  you
• 2:21
  start
• 2:21
  hearing
• 2:21
  that
• 2:22
  furnace
• 2:22
  kick
• 2:23
  on
• 2:23
  and
• 2:24
  you
• 2:24
  dread
• 2:24
  opening
• 2:25
  that
• 2:25
  first
• 2:25
  bill
• 2:26
  of
• 2:26
  the
• 2:26
  money
• 2:26
  it
• 2:26
  costs
• 2:27
  are
• 2:27
  skyrocketing
• 2:28
  to
• 2:28
  keep
• 2:28
  that
• 2:28
  house
• 2:28
  warm.
• 2:29
  And
• 2:30
  you
• 2:30
  face
• 2:30
  this
• 2:30
  burden
• 2:31
  of
• 2:31
  these
• 2:31
  unavoidable
• 2:32
  increased
• 2:32
  heating
• 2:33
  expenses.
• 2:34
  The
• 2:34
  that
• 2:34
  you've
• 2:34
  not
• 2:35
  really
• 2:35
  planned
• 2:36
  for.
• 2:36
  And
• 2:37
  that
• 2:37
  can
• 2:37
  lead
• 2:37
  to
• 2:37
  significant
• 2:38
  budget
• 2:38
  strain.
• 2:39
  It
• 2:39
  can
• 2:39
  lead
• 2:39
  to
• 2:40
  anxiety
• 2:40
  about
• 2:40
  staying
• 2:41
  warm.
• 2:41
  Hey,
• 2:41
  a
• 2:42
  lot
• 2:42
  of
• 2:42
  people
• 2:42
  like
• 2:42
  to
• 2:42
  stay
• 2:42
  warm
• 2:43
  and
• 2:43
  feeling
• 2:44
  helpless
• 2:44
  against
• 2:44
  those
• 2:45
  rising
• 2:45
  energy
• 2:46
  prices.
• 2:47
  And
• 2:47
  this
• 2:47
  is
• 2:47
  a
• 2:48
  big
• 2:48
  source
• 2:48
  of
• 2:48
  stress
• 2:49
  for
• 2:49
  so
• 2:49
  many
• 2:49
  people
• 2:50
  and
• 2:50
  it
• 2:50
  really
• 2:50
  forces
• 2:51
  you
• 2:51
  some
• 2:51
  tough
• 2:51
  choices
• 2:52
  between
• 2:52
  comfort
• 2:53
  and
• 2:53
  financial
• 2:54
  stability.
• 2:54
  That's
• 2:54
  the
• 2:54
  very
• 2:55
  conversation
• 2:55
  I
• 2:55
  had
• 2:55
  with
• 2:56
  my
• 2:56
  son
• 2:56
  yesterday.
• 2:56
  I
• 2:57
  said,
• 2:57
  you're
• 2:57
  going
• 2:57
  to
• 2:57
  decide
• 2:58
  whether
• 2:58
  you
• 2:58
  got
• 2:58
  to
• 2:58
  put
• 2:59
  some
• 2:59
  extra
• 2:59
  clothes
• 2:59
  on,
• 3:00
  maybe
• 3:00
  have
• 3:00
  that
• 3:00
  throw
• 3:01
  blanket
• 3:01
  out
• 3:01
  or
• 3:02
  or
• 3:02
  hike
• 3:02
  that
• 3:02
  thermostat
• 3:03
  up
• 3:03
  and
• 3:03
  watch
• 3:04
  that
• 3:04
  bill
• 3:04
  soar.
• 3:05
  Because
• 3:05
  here's
• 3:06
  the
• 3:06
  thing,
• 3:07
  high
• 3:07
  fall
• 3:08
  and
• 3:08
  winter
• 3:08
  utility
• 3:09
  bills
• 3:09
  are
• 3:09
  predictable.
• 3:10
  Hear
• 3:10
  me
• 3:10
  on
• 3:10
  that.
• 3:11
  You
• 3:11
  can
• 3:11
  predict
• 3:11
  this.
• 3:13
  But
• 3:13
  if
• 3:13
  you
• 3:13
  don't
• 3:13
  plan
• 3:14
  for
• 3:14
  them,
• 3:14
  they
• 3:15
  can
• 3:15
  be
• 3:15
  big
• 3:16
  time
• 3:16
  costly.
• 3:17
  Because
• 3:18
  the
• 3:18
  principle
• 3:18
  here
• 3:18
  today
• 3:19
  is
• 3:19
  energy
• 3:19
  efficiency
• 3:20
  is
• 3:20
  wise
• 3:21
  stewardship
• 3:22
  and
• 3:22
  it
• 3:22
  ensures
• 3:23
  that
• 3:23
  you
• 3:23
  have
• 3:23
  comfort
• 3:24
  without
• 3:24
  waste.
• 3:24
  So
• 3:25
  let's
• 3:25
  get
• 3:25
  right
• 3:25
  into
• 3:26
  the
• 3:26
  word
• 3:26
  of
• 3:26
  God.
• 3:27
  The
• 3:27
  first
• 3:27
  biblical
• 3:28
  principle
• 3:28
  I
• 3:28
  want
• 3:28
  to
• 3:28
  talk
• 3:29
  about
• 3:29
  today
• 3:29
  is
• 3:29
  foresight
• 3:30
  and
• 3:30
  prudence.
• 3:32
  Planning,
• 3:33
  planning
• 3:33
  for
• 3:33
  things.
• 3:34
  Let's
• 3:34
  look
• 3:34
  at
• 3:34
  the
• 3:34
  book
• 3:34
  of
• 3:34
  Proverbs,
• 3:35
  chapter
• 3:35
  22,
• 3:36
  verse
• 3:36
  3.
• 3:37
  And
• 3:37
  it
• 3:37
  states
• 3:37
  this.
• 3:38
  The
• 3:39
  prudency
• 3:39
  danger
• 3:40
  and
• 3:40
  take
• 3:41
  refuge.
• 3:42
  But
• 3:42
  the
• 3:42
  simple
• 3:43
  keep
• 3:43
  going
• 3:43
  and
• 3:44
  suffer
• 3:44
  for
• 3:44
  it.
• 3:45
  Yeah,
• 3:45
  that's
• 3:45
  right.
• 3:45
  If
• 3:46
  you
• 3:46
  don't
• 3:46
  plan,
• 3:47
  if
• 3:47
  you're
• 3:47
  not
• 3:47
  pruning
• 3:48
  about
• 3:48
  it,
• 3:48
  what
• 3:49
  you're
• 3:49
  going
• 3:49
  to
• 3:49
  do
• 3:49
  is
• 3:50
  you're
• 3:50
  going
• 3:50
  to
• 3:50
  suffer
• 3:51
  for
• 3:51
  it.
• 3:51
  Let's
• 3:51
  look
• 3:51
  at
• 3:51
  the
• 3:52
  second
• 3:52
  biblical
• 3:52
  principle
• 3:53
  and
• 3:53
  that's
• 3:54
  avoiding
• 3:54
  waste.
• 3:54
  And
• 3:55
  we
• 3:55
  actually
• 3:55
  talked
• 3:55
  about
• 3:56
  this
• 3:56
  one
• 3:56
  on
• 3:56
  the
• 3:57
  last
• 3:57
  two
• 3:57
  shows.
• 3:57
  I
• 3:58
  keep
• 3:58
  on
• 3:58
  bringing
• 3:58
  it
• 3:58
  back,
• 3:59
  but
• 3:59
  it's
• 3:59
  really
• 4:00
  fits
• 4:00
  with
• 4:00
  what
• 4:01
  we're
• 4:01
  talking
• 4:01
  about.
• 4:01
  This
• 4:01
  is
• 4:02
  John
• 4:02
  chapter
• 4:02
  6,
• 4:03
  verse
• 4:03
  12.
• 4:03
  Again
• 4:04
  Jesus
• 4:04
  instructed
• 4:05
  them,
• 4:05
  gather
• 4:06
  the
• 4:06
  pieces
• 4:06
  that
• 4:06
  are
• 4:07
  left
• 4:07
  over,
• 4:07
  let
• 4:08
  nothing
• 4:08
  be
• 4:08
  wasted.
• 4:09
  See
• 4:10
  that
• 4:10
  applied
• 4:10
  to
• 4:10
  wasted
• 4:11
  food,
• 4:11
  that
• 4:12
  applies
• 4:12
  to
• 4:12
  wasted
• 4:13
  energy.
• 4:13
  And
• 4:13
  those
• 4:14
  wasted
• 4:14
  subscription
• 4:15
  that
• 4:15
  we
• 4:15
  talked
• 4:15
  about
• 4:15
  on
• 4:16
  yesterday's
• 4:16
  show,
• 4:17
  it
• 4:17
  applies
• 4:17
  right
• 4:18
  here
• 4:18
  again
• 4:18
  today.
• 4:19
  And
• 4:19
  the
• 4:19
  third
• 4:19
  biblical
• 4:20
  principle
• 4:20
  is
• 4:21
  preparing
• 4:21
  fields.
• 4:22
  I
• 4:22
  thought
• 4:22
  this
• 4:23
  one
• 4:23
  was
• 4:23
  perfect.
• 4:24
  This
• 4:24
  is
• 4:25
  Proverbs
• 4:25
  chapter
• 4:26
  24,
• 4:26
  verse
• 4:27
  27.
• 4:27
  Because
• 4:28
  this
• 4:28
  is
• 4:28
  all
• 4:28
  about
• 4:28
  preparing
• 4:29
  ahead.
• 4:29
  It
• 4:29
  says
• 4:30
  put
• 4:30
  your
• 4:30
  outdoor
• 4:31
  work
• 4:31
  in
• 4:31
  order
• 4:32
  and
• 4:32
  get
• 4:32
  your
• 4:33
  fields
• 4:33
  ready.
• 4:33
  After
• 4:34
  that,
• 4:34
  build
• 4:35
  your
• 4:35
  house.
• 4:35
  Now
• 4:36
  I'm
• 4:36
  talking
• 4:36
  about
• 4:36
  your
• 4:37
  house
• 4:37
  is
• 4:37
  already
• 4:37
  built.
• 4:38
  But
• 4:38
  this
• 4:38
  is
• 4:39
  an
• 4:39
  act
• 4:39
  of
• 4:39
  diligent
• 4:40
  stewardship
• 4:40
  to
• 4:40
  help
• 4:41
  you
• 4:41
  save
• 4:41
  money,
• 4:42
  reduce
• 4:42
  waste
• 4:43
  and
• 4:43
  free
• 4:43
  up
• 4:44
  resources
• 4:44
  for
• 4:44
  other
• 4:45
  goals
• 4:45
  so
• 4:46
  that
• 4:46
  you
• 4:46
  can
• 4:46
  truly
• 4:46
  honor
• 4:47
  God
• 4:47
  through
• 4:47
  careful
• 4:48
  management
• 4:48
  and
• 4:49
  financial
• 4:49
  peace.
• 4:50
  So
• 4:50
  you
• 4:50
  not
• 4:50
  be
• 4:50
  saying,
• 4:51
  okay
• 4:51
  Ralph,
• 4:51
  what
• 4:52
  can
• 4:52
  we
• 4:52
  do?
• 4:52
  How
• 4:53
  do
• 4:53
  we
• 4:53
  keep
• 4:53
  those
• 4:53
  fall
• 4:54
  bills
• 4:54
  down?
• 4:55
  So
• 4:55
  the
• 4:55
  question
• 4:56
  is
• 4:56
  how
• 4:56
  to
• 4:56
  keep
• 4:57
  home
• 4:57
  warm
• 4:57
  and
• 4:58
  cozy
• 4:59
  without
• 4:59
  sky
• 4:59
  high
• 5:00
  utility
• 5:00
  bills.
• 5:00
  And
• 5:01
  of
• 5:01
  course
• 5:01
  I've
• 5:01
  got
• 5:01
  a
• 5:02
  solution
• 5:02
  for
• 5:02
  you.
• 5:02
  I'm
• 5:03
  going
• 5:03
  to
• 5:03
  encourage
• 5:03
  you
• 5:03
  to
• 5:04
  intentionally
• 5:04
  implement
• 5:05
  one
• 5:05
  or
• 5:05
  two
• 5:05
  simple,
• 5:06
  low
• 5:06
  cost
• 5:07
  energy
• 5:07
  efficient
• 5:07
  habits
• 5:08
  in
• 5:08
  your
• 5:08
  home
• 5:09
  and
• 5:09
  do
• 5:09
  it
• 5:10
  now
• 5:10
  so
• 5:10
  you
• 5:11
  can
• 5:11
  actively
• 5:11
  reduce
• 5:12
  those
• 5:12
  high
• 5:12
  fall
• 5:12
  and
• 5:12
  winter
• 5:13
  utility
• 5:13
  bills
• 5:14
  without
• 5:14
  sacrificing
• 5:15
  comfort.
• 5:16
  And
• 5:17
  in
• 5:17
  the
• 5:17
  end,
• 5:17
  hey,
• 5:18
  this
• 5:18
  proactive
• 5:18
  efficiency
• 5:19
  is
• 5:20
  going
• 5:20
  to
• 5:20
  give
• 5:20
  you
• 5:20
  financial
• 5:21
  peace.
• 5:22
  So
• 5:22
  here's
• 5:22
  your
• 5:22
  one
• 5:23
  action
• 5:23
  step
• 5:23
  for
• 5:23
  today
• 5:24
  with
• 5:24
  the
• 5:24
  goal
• 5:24
  to
• 5:24
  reduce
• 5:25
  those
• 5:25
  fall
• 5:25
  and
• 5:26
  winter
• 5:26
  energy
• 5:26
  bills.
• 5:27
  Hey,
• 5:28
  this
• 5:28
  is
• 5:28
  the
• 5:28
  first
• 5:28
  one,
• 5:29
  as
• 5:29
  I
• 5:29
  was
• 5:29
  Preparing
• 5:30
  for
• 5:30
  the
• 5:30
  show
• 5:30
  today,
• 5:31
  this
• 5:31
  was
• 5:31
  the
• 5:31
  number
• 5:32
  one
• 5:32
  thing
• 5:32
  as
• 5:32
  I
• 5:33
  searched,
• 5:33
  and
• 5:33
  that
• 5:33
  is
• 5:34
  check
• 5:34
  and
• 5:34
  seal
• 5:35
  those
• 5:35
  drafts
• 5:36
  in
• 5:36
  your
• 5:36
  house.
• 5:37
  And
• 5:37
  this
• 5:37
  isn't
• 5:37
  very
• 5:37
  difficult
• 5:38
  to
• 5:38
  do.
• 5:38
  You
• 5:38
  can
• 5:39
  walk
• 5:39
  through
• 5:39
  your
• 5:39
  home
• 5:39
  and
• 5:40
  identify
• 5:40
  maybe
• 5:41
  one
• 5:41
  or
• 5:41
  two
• 5:41
  areas
• 5:42
  where
• 5:42
  you
• 5:42
  feel
• 5:42
  that
• 5:42
  drift.
• 5:43
  Maybe,
• 5:43
  you
• 5:43
  know,
• 5:44
  you've
• 5:44
  got
• 5:44
  this
• 5:44
  draft
• 5:45
  around
• 5:45
  your
• 5:45
  windows,
• 5:46
  or
• 5:46
  maybe
• 5:47
  you're
• 5:47
  like
• 5:47
  me,
• 5:47
  you're
• 5:47
  kind
• 5:47
  of
• 5:47
  in
• 5:48
  a
• 5:48
  little
• 5:48
  bit
• 5:48
  older
• 5:49
  house.
• 5:49
  And
• 5:49
  around
• 5:49
  those
• 5:49
  doors,
• 5:50
  man,
• 5:50
  you
• 5:50
  can
• 5:50
  feel
• 5:50
  that,
• 5:51
  that
• 5:51
  cold
• 5:51
  air
• 5:52
  just
• 5:52
  coming
• 5:52
  through.
• 5:53
  Here's
• 5:53
  one
• 5:54
  a
• 5:54
  lot
• 5:54
  of
• 5:54
  people
• 5:54
  don't
• 5:54
  think
• 5:55
  about,
• 5:55
  and
• 5:55
  I
• 5:55
  actually
• 5:55
  hadn't
• 5:55
  thought
• 5:56
  about
• 5:56
  it
• 5:56
  either.
• 5:57
  And
• 5:57
  that's
• 5:57
  around
• 5:57
  electrical
• 5:58
  outlets.
• 5:59
  You
• 5:59
  know,
• 5:59
  sometimes
• 6:00
  those
• 6:00
  don't
• 6:00
  have
• 6:00
  the
• 6:01
  insulation
• 6:01
  around
• 6:02
  those.
• 6:03
  So
• 6:03
  here's
• 6:03
  the
• 6:04
  simple
• 6:04
  solution.
• 6:04
  Seal
• 6:05
  them
• 6:05
  with
• 6:05
  inexpensive
• 6:06
  weather
• 6:06
  stripping
• 6:07
  or
• 6:07
  cost.
• 6:07
  This
• 6:07
  is
• 6:07
  a
• 6:08
  low
• 6:08
  cost,
• 6:09
  do
• 6:09
  it
• 6:09
  yourself
• 6:10
  project.
• 6:10
  So
• 6:10
  that's
• 6:11
  the
• 6:11
  first
• 6:11
  thing.
• 6:11
  Check
• 6:12
  for
• 6:12
  those
• 6:12
  seals
• 6:13
  and
• 6:13
  check
• 6:13
  for
• 6:14
  those
• 6:14
  drifts.
• 6:14
  Second
• 6:14
  thing,
• 6:15
  that's
• 6:15
  what
• 6:15
  I
• 6:15
  had
• 6:15
  a
• 6:16
  conversation
• 6:16
  about
• 6:16
  with
• 6:16
  my
• 6:16
  son.
• 6:17
  Adjust
• 6:17
  your
• 6:18
  thermostat.
• 6:19
  Hey,
• 6:19
  even
• 6:19
  if
• 6:19
  it's
• 6:20
  just
• 6:20
  slightly,
• 6:21
  because
• 6:22
  if
• 6:22
  you
• 6:22
  have
• 6:22
  air
• 6:23
  conditioning,
• 6:24
  you
• 6:24
  can
• 6:24
  adjust
• 6:24
  the
• 6:24
  thermostat
• 6:25
  slightly
• 6:26
  and
• 6:26
  you
• 6:26
  can
• 6:26
  save
• 6:26
  a
• 6:26
  lot
• 6:27
  of
• 6:27
  money.
• 6:27
  And
• 6:27
  now
• 6:27
  for
• 6:28
  the
• 6:28
  fall
• 6:28
  and
• 6:28
  winter
• 6:28
  heating,
• 6:29
  you
• 6:29
  can
• 6:29
  lower
• 6:29
  that
• 6:30
  thermostat
• 6:30
  1
• 6:30
  or
• 6:30
  3
• 6:31
  degrees
• 6:31
  Fahrenheit
• 6:32
  when
• 6:32
  you're
• 6:32
  home.
• 6:33
  Doesn't
• 6:33
  make
• 6:33
  any
• 6:33
  sense
• 6:34
  to
• 6:34
  keep
• 6:34
  it
• 6:34
  there
• 6:34
  when
• 6:35
  you're
• 6:35
  not
• 6:35
  home.
• 6:35
  And
• 6:36
  you
• 6:36
  can
• 6:36
  even
• 6:36
  set
• 6:36
  it
• 6:36
  lower
• 6:37
  when
• 6:37
  you're
• 6:37
  sleeping
• 6:38
  or
• 6:38
  maybe
• 6:38
  when
• 6:38
  you're
• 6:38
  away.
• 6:39
  Hey,
• 6:39
  put
• 6:39
  some
• 6:39
  blankets
• 6:40
  on,
• 6:41
  burn
• 6:41
  that
• 6:41
  furnace
• 6:41
  down.
• 6:42
  Don't
• 6:42
  keep
• 6:42
  on
• 6:43
  burning
• 6:43
  through
• 6:43
  that
• 6:43
  energy
• 6:44
  because
• 6:44
  listen,
• 6:45
  even
• 6:45
  a
• 6:45
  few
• 6:46
  degrees
• 6:46
  can
• 6:46
  save
• 6:47
  you
• 6:47
  significantly.
• 6:48
  I
• 6:48
  don't
• 6:48
  know
• 6:48
  how
• 6:48
  many
• 6:48
  people
• 6:49
  don't
• 6:49
  realize
• 6:49
  that.
• 6:49
  So
• 6:50
  I
• 6:50
  said
• 6:50
  to
• 6:50
  my
• 6:50
  son,
• 6:50
  I
• 6:50
  said,
• 6:51
  hey,
• 6:51
  when
• 6:51
  you
• 6:51
  move
• 6:52
  into
• 6:52
  that
• 6:52
  apartment,
• 6:53
  check
• 6:53
  that
• 6:53
  thermostat
• 6:54
  and
• 6:54
  see
• 6:54
  what
• 6:54
  you
• 6:55
  can
• 6:55
  really
• 6:55
  tolerate.
• 6:55
  And
• 6:56
  then
• 6:56
  listen,
• 6:56
  when
• 6:56
  you're
• 6:56
  not
• 6:57
  there,
• 6:57
  turn
• 6:57
  it
• 6:58
  down
• 6:58
  that
• 6:58
  way
• 6:59
  you're
• 6:59
  not
• 6:59
  paying
• 6:59
  a
• 6:59
  lot
• 6:59
  of
• 7:00
  money
• 7:00
  to
• 7:00
  keep
• 7:01
  that
• 7:01
  place.
• 7:01
  Now,
• 7:01
  of
• 7:01
  course,
• 7:01
  I
• 7:02
  said
• 7:02
  turn
• 7:02
  it
• 7:02
  down
• 7:03
  in
• 7:03
  this
• 7:03
  in
• 7:03
  the
• 7:03
  wintertime,
• 7:04
  turn
• 7:04
  it
• 7:05
  up
• 7:05
  a
• 7:05
  little
• 7:05
  bit
• 7:05
  in
• 7:05
  the
• 7:05
  summertime.
• 7:06
  Third
• 7:07
  thing
• 7:07
  I'm
• 7:07
  going
• 7:07
  to
• 7:07
  recommend
• 7:08
  you
• 7:08
  do.
• 7:08
  This
• 7:08
  is
• 7:08
  something
• 7:08
  my
• 7:09
  wife
• 7:09
  always
• 7:10
  takes
• 7:10
  care
• 7:10
  of.
• 7:10
  She
• 7:10
  puts
• 7:11
  it
• 7:11
  right
• 7:11
  on
• 7:11
  the
• 7:11
  calendar.
• 7:12
  And
• 7:12
  that's
• 7:12
  check
• 7:13
  and
• 7:13
  change
• 7:13
  your
• 7:14
  furnace
• 7:14
  filter.
• 7:14
  A
• 7:14
  lot
• 7:15
  of
• 7:15
  people
• 7:15
  don't
• 7:15
  think
• 7:15
  about
• 7:15
  this
• 7:16
  one.
• 7:16
  So
• 7:17
  first
• 7:17
  thing
• 7:17
  is
• 7:17
  locate
• 7:17
  that
• 7:18
  furnace
• 7:18
  filter.
• 7:18
  Maybe
• 7:19
  you've
• 7:19
  got
• 7:19
  one
• 7:19
  or
• 7:19
  two
• 7:20
  vents
• 7:20
  or
• 7:21
  maybe
• 7:21
  you've
• 7:21
  got
• 7:21
  two
• 7:21
  or
• 7:22
  three
• 7:22
  spots.
• 7:22
  Well,
• 7:22
  go
• 7:23
  and
• 7:23
  check
• 7:23
  those
• 7:23
  things.
• 7:23
  Check
• 7:24
  them
• 7:24
  for
• 7:24
  dust,
• 7:25
  check
• 7:25
  them
• 7:25
  for
• 7:25
  dirt,
• 7:26
  and
• 7:26
  hey,
• 7:26
  replace
• 7:27
  them
• 7:27
  if
• 7:27
  they're
• 7:27
  dirty.
• 7:27
  My
• 7:27
  wife
• 7:28
  just
• 7:28
  replaces
• 7:28
  ours
• 7:29
  every
• 7:29
  single
• 7:29
  month.
• 7:30
  It's
• 7:30
  like
• 7:30
  clockwork.
• 7:31
  And
• 7:31
  here's
• 7:32
  the
• 7:32
  thing.
• 7:32
  It's
• 7:32
  easy,
• 7:33
  it's
• 7:34
  inexpensive,
• 7:34
  and
• 7:35
  it
• 7:35
  truly
• 7:35
  does
• 7:36
  boost
• 7:36
  the
• 7:36
  efficiency
• 7:37
  and
• 7:37
  air
• 7:38
  quality
• 7:38
  of
• 7:38
  your
• 7:38
  furnace.
• 7:39
  I
• 7:39
  remember
• 7:39
  one
• 7:40
  time
• 7:40
  my
• 7:40
  wife
• 7:41
  and
• 7:41
  I
• 7:41
  had
• 7:41
  just
• 7:41
  met
• 7:41
  and
• 7:41
  I
• 7:42
  had
• 7:42
  this
• 7:42
  townhouse
• 7:42
  and.
• 7:43
  And
• 7:43
  she
• 7:43
  moved
• 7:43
  in,
• 7:43
  and
• 7:44
  this
• 7:44
  is
• 7:44
  the
• 7:44
  way
• 7:45
  her
• 7:45
  mind
• 7:45
  works.
• 7:46
  She
• 7:46
  says,
• 7:46
  Ralph,
• 7:46
  do
• 7:47
  you
• 7:47
  check
• 7:47
  your,
• 7:47
  your,
• 7:48
  your,
• 7:48
  your.
• 7:49
  Your
• 7:49
  heating
• 7:49
  system
• 7:50
  to
• 7:50
  make
• 7:50
  sure
• 7:50
  it's
• 7:51
  clear?
• 7:51
  I'm
• 7:51
  like,
• 7:51
  what
• 7:51
  are
• 7:51
  you
• 7:52
  talking
• 7:52
  about?
• 7:53
  Well,
• 7:53
  she
• 7:53
  says,
• 7:53
  Ralph,
• 7:54
  there's
• 7:54
  a
• 7:54
  vent
• 7:54
  in
• 7:54
  there.
• 7:55
  There's
• 7:55
  a
• 7:55
  filter
• 7:55
  that
• 7:55
  you
• 7:56
  need
• 7:56
  to
• 7:56
  change.
• 7:56
  Well,
• 7:56
  let
• 7:56
  me
• 7:56
  just
• 7:57
  be
• 7:57
  honest
• 7:57
  with
• 7:57
  you.
• 7:58
  I
• 7:58
  walked
• 7:58
  over
• 7:58
  to
• 7:59
  that.
• 7:59
  I
• 7:59
  pulled
• 7:59
  that
• 7:59
  thing
• 7:59
  out,
• 8:00
  man,
• 8:01
  with
• 8:01
  the
• 8:01
  dust
• 8:02
  and
• 8:02
  the
• 8:02
  stuff
• 8:02
  on
• 8:02
  there,
• 8:03
  you
• 8:03
  could
• 8:03
  have
• 8:03
  created
• 8:03
  a
• 8:04
  blanket.
• 8:04
  Yeah,
• 8:05
  there's
• 8:05
  a
• 8:05
  mental
• 8:05
  thing,
• 8:06
  but
• 8:06
  it's
• 8:06
  so
• 8:06
  easy
• 8:07
  to
• 8:07
  do.
• 8:07
  It's
• 8:07
  inexpensive,
• 8:08
  and
• 8:08
  it
• 8:09
  will
• 8:09
  really
• 8:09
  boost
• 8:09
  your
• 8:09
  efficiency.
• 8:11
  And
• 8:11
  here's
• 8:11
  another
• 8:11
  pro
• 8:11
  tip.
• 8:12
  It'll
• 8:12
  keep
• 8:12
  your
• 8:13
  furnace
• 8:13
  from
• 8:13
  running
• 8:14
  away
• 8:14
  from
• 8:14
  you
• 8:15
  with
• 8:15
  cost
• 8:15
  and
• 8:16
  with
• 8:16
  repairs.
• 8:17
  Now,
• 8:17
  another
• 8:18
  thing
• 8:18
  you
• 8:18
  can
• 8:18
  do
• 8:18
  and
• 8:18
  a
• 8:19
  lot
• 8:19
  of.
• 8:19
  I
• 8:19
  remember
• 8:19
  when
• 8:20
  I
• 8:20
  was
• 8:20
  a
• 8:20
  kid,
• 8:20
  my
• 8:20
  grandparents
• 8:21
  used
• 8:21
  to
• 8:21
  do
• 8:21
  this.
• 8:22
  Some
• 8:22
  of
• 8:22
  my
• 8:22
  aunts
• 8:22
  and
• 8:23
  uncles
• 8:23
  would
• 8:23
  do
• 8:23
  this
• 8:24
  is
• 8:24
  they
• 8:24
  would
• 8:24
  go
• 8:24
  around
• 8:25
  and
• 8:25
  make
• 8:25
  sure
• 8:25
  all
• 8:25
  the
• 8:25
  windows
• 8:26
  were
• 8:26
  closed.
• 8:26
  And
• 8:26
  then
• 8:26
  they
• 8:27
  did
• 8:27
  something
• 8:27
  even
• 8:27
  bigger
• 8:28
  than
• 8:28
  that.
• 8:28
  They
• 8:29
  would
• 8:29
  put
• 8:29
  this
• 8:29
  plastic
• 8:30
  window
• 8:30
  film.
• 8:31
  I
• 8:31
  remember
• 8:31
  them
• 8:31
  having
• 8:32
  a
• 8:32
  heat
• 8:32
  gun.
• 8:32
  As
• 8:33
  I
• 8:33
  can
• 8:33
  recall,
• 8:33
  a
• 8:34
  lot
• 8:34
  of
• 8:34
  them
• 8:34
  just
• 8:34
  use
• 8:34
  a
• 8:34
  hairdryer
• 8:35
  and
• 8:35
  they
• 8:35
  put
• 8:36
  this
• 8:36
  film
• 8:36
  on
• 8:36
  the
• 8:36
  windows
• 8:37
  and
• 8:37
  kind
• 8:37
  of
• 8:37
  seal
• 8:38
  those
• 8:38
  windows
• 8:39
  in.
• 8:40
  Now,
• 8:40
  a
• 8:40
  lot
• 8:40
  of
• 8:40
  people
• 8:40
  also
• 8:41
  put
• 8:41
  heavy
• 8:41
  curtains.
• 8:42
  Curtains
• 8:42
  are
• 8:42
  kind
• 8:42
  of
• 8:42
  a
• 8:42
  big
• 8:43
  thing.
• 8:43
  My
• 8:43
  wife
• 8:43
  and
• 8:43
  I
• 8:43
  talked
• 8:44
  about
• 8:44
  this
• 8:44
  yesterday.
• 8:44
  Not
• 8:44
  a
• 8:45
  lot
• 8:45
  of
• 8:45
  people
• 8:45
  have
• 8:45
  curtains
• 8:46
  anymore.
• 8:46
  But
• 8:46
  those,
• 8:46
  those
• 8:47
  big
• 8:47
  heavy
• 8:47
  curtains
• 8:48
  can
• 8:48
  help
• 8:48
  keep
• 8:48
  those
• 8:49
  drafts
• 8:49
  out,
• 8:50
  because
• 8:50
  that's
• 8:50
  the
• 8:50
  whole
• 8:51
  thing.
• 8:51
  Keep
• 8:51
  the
• 8:51
  drafts
• 8:52
  out
• 8:52
  and
• 8:52
  maybe
• 8:52
  add
• 8:53
  some
• 8:53
  insulation
• 8:54
  because
• 8:54
  this
• 8:55
  is
• 8:55
  really
• 8:55
  going
• 8:55
  to
• 8:55
  help
• 8:55
  you
• 8:56
  fight
• 8:56
  that
• 8:56
  struggle
• 8:56
  and
• 8:57
  stress
• 8:57
  of
• 8:57
  those
• 8:57
  high
• 8:58
  fall
• 8:58
  winter
• 8:59
  utility
• 8:59
  bills.
• 9:00
  It's
• 9:00
  going
• 9:00
  to
• 9:00
  help
• 9:00
  you
• 9:01
  gain
• 9:01
  control
• 9:01
  over
• 9:02
  your
• 9:02
  major
• 9:02
  household
• 9:03
  expenses,
• 9:04
  save
• 9:04
  you
• 9:04
  money,
• 9:05
  reduce
• 9:05
  waste,
• 9:06
  and
• 9:06
  free
• 9:06
  up
• 9:07
  resources
• 9:07
  you
• 9:07
  can
• 9:08
  do
• 9:08
  with
• 9:08
  other
• 9:08
  things.
• 9:09
  And
• 9:09
  aligns
• 9:09
  your
• 9:10
  comfort
• 9:10
  with
• 9:11
  wise
• 9:11
  stewardship,
• 9:12
  bringing
• 9:12
  you
• 9:12
  peace
• 9:12
  of
• 9:13
  mind
• 9:13
  and
• 9:14
  hey,
• 9:14
  saving
• 9:14
  you
• 9:14
  money
• 9:15
  along
• 9:15
  the
• 9:15
  way.
• 9:15
  Why
• 9:16
  about
• 9:16
  we
• 9:16
  pray
• 9:16
  together
• 9:17
  today,
• 9:18
  Father
• 9:18
  God,
• 9:19
  we
• 9:19
  just
• 9:19
  thank
• 9:19
  you
• 9:19
  for
• 9:20
  the
• 9:20
  warmth
• 9:20
  of
• 9:20
  our
• 9:20
  homes
• 9:21
  and
• 9:21
  the
• 9:21
  resources
• 9:22
  of
• 9:22
  the
• 9:22
  energy
• 9:22
  you
• 9:23
  provide.
• 9:23
  And
• 9:24
  Lord,
• 9:24
  we
• 9:24
  confess
• 9:24
  that
• 9:25
  often
• 9:25
  we
• 9:25
  use
• 9:25
  energy
• 9:26
  carelessly
• 9:26
  or,
• 9:27
  or.
• 9:27
  Or
• 9:27
  feel
• 9:27
  helpless
• 9:28
  against
• 9:28
  those
• 9:28
  rising
• 9:29
  bills.
• 9:29
  Lord,
• 9:30
  and
• 9:30
  we
• 9:31
  just
• 9:31
  ask
• 9:31
  that
• 9:31
  you
• 9:31
  would
• 9:31
  grant
• 9:32
  us
• 9:32
  wisdom
• 9:32
  and
• 9:32
  diligence
• 9:33
  in
• 9:33
  managing
• 9:34
  our
• 9:34
  energy
• 9:34
  consumption.
• 9:36
  Lord,
• 9:36
  help
• 9:36
  us
• 9:36
  to
• 9:36
  implement
• 9:37
  simple,
• 9:37
  effective
• 9:38
  habits
• 9:38
  that
• 9:38
  save
• 9:39
  money
• 9:39
  and
• 9:39
  reduce
• 9:40
  waste
• 9:41
  and
• 9:41
  guide
• 9:41
  us
• 9:42
  to
• 9:42
  be
• 9:42
  wise
• 9:42
  stewards
• 9:43
  of
• 9:43
  our
• 9:43
  homes,
• 9:43
  Lord,
• 9:44
  and
• 9:44
  the
• 9:44
  resources
• 9:44
  within
• 9:45
  them.
• 9:45
  And
• 9:46
  we
• 9:46
  just
• 9:46
  ask
• 9:46
  that
• 9:46
  our
• 9:47
  efforts
• 9:47
  would
• 9:47
  bring
• 9:47
  us
• 9:47
  comfort
• 9:48
  without
• 9:48
  those
• 9:48
  excessive
• 9:49
  costs
• 9:50
  and
• 9:50
  financial
• 9:51
  peace.
• 9:51
  And
• 9:51
  we
• 9:51
  ask
• 9:52
  this
• 9:52
  in
• 9:52
  Jesus
• 9:53
  name.
• 9:54
  Amen.
• 9:55
  Listen,
• 9:56
  this
• 9:56
  is
• 9:56
  a
• 9:56
  pro
• 9:56
  tip.
• 9:57
  Proactive
• 9:58
  energy
• 9:58
  efficiency
• 9:59
  is
• 9:59
  a
• 10:00
  powerful
• 10:00
  way
• 10:00
  to
• 10:00
  keep
• 10:00
  your
• 10:01
  home
• 10:01
  cozy.
• 10:02
  Yes,
• 10:02
  you
• 10:02
  can
• 10:02
  keep
• 10:02
  it
• 10:03
  cozy
• 10:03
  and
• 10:04
  also
• 10:04
  keep
• 10:04
  your
• 10:04
  budget
• 10:05
  happy
• 10:05
  this
• 10:05
  fall
• 10:06
  and
• 10:06
  winter.
• 10:06
  So
• 10:07
  take
• 10:07
  some
• 10:07
  steps
• 10:07
  I
• 10:07
  outlined
• 10:08
  today.
• 10:08
  Just
• 10:08
  implement
• 10:09
  one
• 10:09
  or
• 10:09
  two
• 10:09
  of
• 10:09
  those
• 10:10
  energy
• 10:10
  saving
• 10:11
  habits
• 10:11
  because
• 10:11
  you
• 10:12
  are
• 10:12
  moving
• 10:12
  towards
• 10:13
  true
• 10:13
  freedom.
• 10:13
  And
• 10:14
  listen,
• 10:14
  true
• 10:15
  comfort.
• 10:16
  And
• 10:16
  if
• 10:16
  this
• 10:16
  episode
• 10:17
  resonated
• 10:17
  with
• 10:17
  you,
• 10:17
  I'm
• 10:18
  going
• 10:18
  to
• 10:18
  ask
• 10:18
  you
• 10:18
  to
• 10:18
  share
• 10:18
  it
• 10:19
  with
• 10:19
  someone
• 10:19
  who
• 10:19
  might
• 10:20
  need
• 10:20
  to
• 10:20
  hear
• 10:20
  it.
• 10:21
  You
• 10:21
  can
• 10:21
  find
• 10:21
  resources
• 10:22
  for
• 10:22
  this
• 10:22
  show
• 10:23
  financiallyconfidentchristian.com
• 10:25
  so
• 10:25
  send
• 10:26
  a
• 10:26
  text,
• 10:26
  send
• 10:27
  an
• 10:27
  email.
• 10:27
  Just
• 10:27
  said,
• 10:28
  hey,
• 10:28
  you're
• 10:28
  thinking
• 10:29
  about
• 10:29
  energy
• 10:29
  efficiency
• 10:30
  for
• 10:30
  your
• 10:30
  home.
• 10:31
  Hey,
• 10:31
  Ralph's
• 10:31
  got
• 10:31
  some
• 10:32
  great
• 10:32
  tips.
• 10:33
  Now
• 10:33
  tomorrow
• 10:33
  we're
• 10:34
  going
• 10:34
  to
• 10:34
  continue
• 10:34
  to
• 10:34
  get
• 10:35
  organized
• 10:35
  for
• 10:35
  the
• 10:35
  fall
• 10:36
  season.
• 10:36
  We're
• 10:36
  going
• 10:36
  to
• 10:36
  be
• 10:36
  talking
• 10:37
  about
• 10:37
  another
• 10:37
  crucial
• 10:38
  thing
• 10:38
  and
• 10:38
  it's
• 10:39
  how
• 10:39
  to
• 10:39
  get
• 10:39
  organized
• 10:40
  for
• 10:40
  year
• 10:40
  end
• 10:40
  tax
• 10:41
  planning
• 10:41
  as
• 10:41
  believe
• 10:42
  it
• 10:42
  or
• 10:42
  not,
• 10:43
  Believe
• 10:43
  it
• 10:43
  or
• 10:43
  not,
• 10:44
  it's
• 10:44
  only
• 10:44
  a
• 10:45
  few
• 10:45
  months
• 10:45
  off.
• 10:45
  I'm
• 10:46
  going
• 10:46
  to
• 10:46
  talk
• 10:46
  about
• 10:46
  some
• 10:46
  simple
• 10:47
  steps
• 10:47
  that
• 10:47
  you
• 10:47
  can
• 10:47
  take
• 10:47
  now
• 10:48
  to
• 10:48
  reduce
• 10:49
  that
• 10:49
  year
• 10:49
  end
• 10:50
  stress
• 10:50
  later.
• 10:50
  So
• 10:50
  you
• 10:51
  don't
• 10:51
  want
• 10:51
  to
• 10:51
  miss
• 10:51
  it.
• 10:51
  So
• 10:52
  make
• 10:52
  sure
• 10:52
  you
• 10:52
  join
• 10:53
  me
• 10:53
  now.
• 10:53
  Let's
• 10:53
  all
• 10:54
  go
• 10:54
  out
• 10:54
  there
• 10:54
  today
• 10:54
  and
• 10:54
  be
• 10:55
  financially
• 10:56
  confident
• 10:56
  Christians.
• 10:57
  You
• 10:57
  can
• 10:57
  do
• 10:58
  this.
• 10:58
  I
• 10:58
  have
• 10:59
  confidence
• 10:59
  in
• 10:59
  you.
• 11:00
  Have
• 11:00
  confidence
• 11:01
  in
• 11:01
  yourself.
• 11:02
  Stay
• 11:02
  financially
• 11:03
  savvy.
• 11:03
  God
• 11:03
  bless
• 11:04
  you
• 11:04
  and
• 11:04
  you
• 11:04
  have
• 11:04
  a
• 11:05
  great
• 11:05
  day
• 11:05
  today.