When you get a bill each month, look at the total amount owed and date the last payment was made. Go over the charges and make sure you're not being charged more than you actually owe. If you notice a discrepancy between the statement and your own records, clear it up right away. This is also important if you get a paper bill when you typically receive your bill electronically or have autopay set up. If you receive an unexpected bill, contact the billing company or check your account online. Set aside 10 or 15 minutes a week to do "money stuff." The day after payday is typically a good day for this. Allocate money to pay for your upcoming bills, then determine how much money you have left for discretionary expenses. If you're married or living with a partner and both of you pay bills, these meetings are crucial to ensure your bill paying is coordinated and you know exactly who is paying for what. Reminders can help ensure that a bill doesn't slip through the cracks, especially if it's something for a relatively small amount that you frequently forget. Paying bills late can hurt your credit, particularly credit card payments that are reported to the credit bureaus. Set your reminder a day or two before the bill is due and pay the bill as soon as you get the reminder.  For example, if you have a music streaming subscription that's only $9 a month, you may find that you forget to pay it until you get a reminder from the streaming service or find out that you can no longer access your music. Setting a reminder will help ensure that you don't forget about it. If you're using a digital calendar on your smartphone or tablet, you can simply activate reminders for each of the bills you add to your calendar. If you are married or living with your partner, it's often easier to designate one person to take care of bills. That way, you don't have to worry about paying a bill late because each of you thought the other paid it, or double-paying a bill.  If you want to make sure both of you are equally aware of the bills and how they're paid, you can alternate. For example, you could have one of your responsible for paying the bills from January through June and the other from July through September. Even if only one person is in charge of the bills, you should still have a meeting at least once a month to go over your finances and household budget.

Summary: Review your billing statements carefully. Schedule a regular time each week to go over your finances. Set reminders on your computer or smartphone. Try establishing a single person who will be in charge of bills.


Click or double-click the Safari app icon, which resembles a blue compass in your Mac's Dock. This menu is in the top-left corner of your Mac's screen. A drop-down menu will appear. It's near the top of the drop-down menu. Doing so opens a pop-up window. It's at the top of the pop-up window. This will prompt a drop-down menu. This is in the drop-down menu. Selecting this option will allow Safari to delete all stored cookies and website data. Doing so will remove all cookies, search history, and website data from Safari.

Summary: Open Safari. Click Safari. Click Clear History…. Click the drop-down box. Click all history. Click Clear History.


Plenty of websites have calculators to help you figure out your heat need. Search for a radiator sizing calculator. Most of them can do the math in both feet and meters. You’ll need to know your room dimensions as well as its features, such as the type of windows and insulation. These calculators use the same math you can do by hand. They’re good for saving time or checking your calculations. Get a tape measure if you don’t already know the dimensions of the room. Measure the length, width, and height of the room. Write down the measurements so you don’t forget them. Multiply together the length, width, and height of the room. This gives you the cubic volume of the room. For example, a room 13 feet (4 m) wide, 12 feet (3.7 m) long, and nine feet high has a cubic volume of 1,404 cubic feet. You can measure your room in either feet or meters. Multiplying by a room factor is the easiest way to estimate the heat needed for a type of room. For lounges, living rooms, and dining rooms, multiply the cubic volume by five. For bedrooms, multiply by four. For common areas and kitchens, multiply by three. This gives you the needed radiator output in BTUs.  When measuring in meters, you can multiply the cubic volume by 153. This gives you a general idea of the heat you need for any room.  For example, a 1,404 cubic foot living room requires about 7020 BTUs. Some rooms hold more heat than others. For rooms facing north, add 10% to the BTU score. For rooms with French windows, add 20%. Subtract 20% for foam-filled cavity walls and 5% for double glazed windows. Continue making adjustments until you have an estimate for the number of BTUs your room needs. There are plenty of other factors that determine heat loss and retention. For example, outside walls raise the BTUs needed by 15-40%. Having a bedroom above the room lowers the score by 15%. To figure out how big a boiler you need, you have to calculate the BTU requirement of every room. Follow the same steps you used for the first room. Total all the BTU measurements together. This number is the amount of BTUs the boiler needs to put out to heat your home. Add 20% to the BTU total to account for a hot water circulating tank. Add on 10% to account for heat loss. Divide your final BTU measurement by 3.41. The heating power of radiators is often calculated in watts. Keep both numbers on hand in case you need them while picking out a radiator. When in doubt, it’s always best to get the opinion of a heating expert. They’ll be able to figure out your heating needs for you. In addition, they can help you change your heating system. Since water is used in radiators, some plumbers may also be able to do this.
Summary: Use an online calculator. Measure out the room. Multiply the room measurements together. Multiply the cubic volume to account for room size. Adjust the heat requirement for room features. Add all room heat requirements to come up with a boiler size. Convert BTUs to watts. Consult a heating contractor.