1. Change Light Bulbs to CFLs

Incandescent bulbs are the way of the past. If you’re looking to green up your office, switch them out for much more energy-efficient CFLs (compact fluorescent lamps). These light bulbs use a bit more energy when they are first turned on, says Energy Star, but once the get going guzzle 75 percent less than the traditional bulb.

2. Reduce, Reuse and Recycle

It hardly bears saying, but one of the easiest ways to ensure your office stays eco-friendly is to simply follow the old maxim: reduce, reuse, recycle. Set out a larger bin for paper recycling than you do for trash, to provide motivation. Reduce your intake of office supplies to only those you actually use, and resist the impulse to upgrade appliances or furniture…

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When you are looking for a mortgage for your Santa Cruz Home, your credit score is very important. Any potential lender will check your score and will use the number to assess the interest rate that they offer you. The better your credit score the lower the mortgage interest rates will be available to you, as the lender will be able to see that you can handle credit well. However, if you have a very bad credit score it could be causing you to be offered high interest rates on your mortgage that could cost you thousands over the years.

Improving your credit score before searching around for a mortgage will ensure that you get the best rate possible. But what can you do to improve your credit score?

Be Patient

Remember that improving your bad…

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