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.
A 15-year loan is usually made at a lower interest rate. Equity is built faster because early payments pay more principal. In a 30-year loan, more interest is paid off than principal for the first 23 years, meaning larger tax deductions. As inflation and costs of living increase, mortgage payments become a smaller part of overall expenses.