Whenever I start considering money, I always panic. Am I inside the right financial situation, or how can I be better about my funds, are always questions on my own mind. I am gainfully implemented, but I have had experiences in my life where I was under a great deal of debt. With debt, there is constantly a payment due, or a payment that you’re late on, and the fear of defaulting on the loans is always a substantial one. This didn’t set me up well for an adult life where I have to juggle all that debt in combination with making payments for necessities such as groceries, gas, and heating and cooling costs. Nowadays, whenever I think around money, I don’t have to panic as much. I have found a technique to budget my money according to what I make. There are some valuable resources which can be found online that give suggestions to this. One of the suggestions that I read was one that told me to avoid wasting on energy and HVAC bills every month. What they proposed was that I turn my thermostat down or off whenever I went to bed or left the residence. This saved me a bundle every month, and it allowed me to have some extra so that I wouldn’t default on any one of my loans. Not having air conditioning while I’m trying to sleep, or not heating the house while I’m out at work is simply not a sacrifice for me, and I am not even aware that I was doing those items.