Last Tuesday I was Table Topics master at my local Toastmasters meeting, which means I had to choose questions or topics that the other members had to give a one to two-minute speech. Being that the 4th of July, Independence Day here in the United States, is approaching, I decided to theme my questions about that holiday in particular.
In the quest to pay debt off as quick as possible, people try to find unique ways (“hacks” if you will) to reduce the timeframe and interest charged. The most popular - and successful - method is the snowball method or one of its variants. Another trick is to split the payments into two or more payments a month.
Replacing the cabin air filter is one of the most neglected yet easy-to-do maintenance items that car owners should do. It’s probably neglected because cars used to not have cabin air filters, and auto repair shops want to charge an arm-and-a-leg to replace them. The cabin air filter itself is fairly cheap.