When used incorrectly, pesticides can pollute water. They also kill beneficial as well as harmful insects. Natural alternatives prevent both of these events from occurring and save you money. Consider using natural alternatives for chemical pesticides: Non-detergent insecticidal soaps, garlic, hot pepper sprays, 1 teaspoon of liquid soap in a gallon of water, used dishwater, or forceful stream of water to dislodge insects.
Established by your lender, an escrow account is a place to set aside a portion of your monthly mortgage payment to cover annual charges for homeowner’s insurance, mortgage insurance (if applicable), and property taxes. Escrow accounts are a good idea because they assure money will always be available for these payments. If you use an escrow account to pay property taxes or homeowner’s insurance, make sure you are not penalized for late payments since it is the lender’s responsibility to make those payments.