Some electrical repairs just can't wait. If you discover loose wiring, a faulty circuit or other problem in your home electrical system, it is essential to call an electrician immediately. At best, electrical problems can be annoying. At worst, they can damage your appliances or even start a fire in your home. That's why it's so important to have savings on hand so you don't feel compelled to delay emergency electrical repairs. Unfortunately, far too many families are not prepared financially to cover this type of emergency.

Emergency Savings Not Cutting the Mustard

The savings profile of the average American family leaves a lot to be desired. A recent report pointed out that 25 percent of homeowners in the United States don't have any money at all saved to protect themselves in case they need an emergency electrical repair or other home service. What's more, about half of the families that do have savings have less than $1,000, which might not be enough to cover a major bill.

And you never know when you might need help. In fact, nine percent of households said they had a problem with a circuit, switch or outlet in the past year, according to the report. Unless you are already an accomplished electrician, these are not problems you can address by yourself – you need to hire a professional in order to protect the safety of your home and your family. If you don't have any savings, that means borrowing money or putting off a repair – a dangerous prospect.

Make Sure You Have Money When You Need it

Follow these tips to increase the odds that you have cash on hand when you need it:

Expert Electricians Keep You in Safe Hands

Maintenance and repairs on your wiring and circuits are tasks you simply cannot put off. Whether the electrical work you need is routine or a true emergency, call upon a professional electrician to get the job done safely and promptly.

Low-voltage landscape lighting is a simple improvement that can make an enormous impact on the beauty and appearance of your home after dusk, as well as its safety and security. Installed along walkways, steps, and driveways, or directed up at trees, garden objects and walls, the typical low-voltage lighting system requires just three components: a transformer, low-voltage electrical cable, and the fixtures.

There are few things more chilling than a home burglary. Imagine a stranger rifling through and stealing your possessions – to say nothing of the danger if you or your family members are home at the time of the break-in. Fortunately, you can take steps to deter potential thieves by using outdoor lighting to increase the visibility around your home. Today's inexpensive LED and smart technologies mean that you can create a system that is attractive, efficient and responsive without breaking the bank. Protect your home and your family with some of these outdoor lighting ideas.

A Light in the Darkness

Your outdoor lighting system should include lights near any doors and windows where a person could enter the house. "The biggest thing for any person who can burglarize a home is the ability to secrete movements," a Chicago Police Department spokesperson told the Chicago tribune. "This means darkness.”

Many outdoor lighting systems are easy to install on your own, although a few may require the help of an electrician for new wiring. LED bulbs are an attractive option because they use only about a quarter of the energy of incandescent bulbs and last up to 25 times as long. Some outdoor lights come equipped with a built-in security camera that will not only light up to scare off any would-be burglars, but also capture their image so you can notify police of the suspicious activity.

Stand-alone solar panel lights are a good option for walkways, although they shouldn't be relied on as a home security measure since variations in weather mean they might not always provide enough light to deter a prowler.

Getting Smart About Your Lighting

Smart lighting systems let you control your entire home’s lighting setup from your smartphone, even when you're away from the house. You can adjust timers, motion sensors, dimming functions or manually instruct the lights to come on or off. Certain smart lighting and security systems will automatically alert you when someone is at the door and allow you to talk to them through your phone no matter where you are in the world.

With smart technology, you can also add an extra layer of deterrence by having indoor lights come on for a period of time when you are away, giving the appearance that somebody is home. If you already have a lighting system in place, you can upgrade it to a smart system by swapping in some wireless smart switches and installing a control hub.

A Safer and More Attractive Residence

Lighting up your outdoor space is more than just a way to deter burglars. It can also make your yard look more attractive at night and help visitors safely navigate their way to your door.

If you need help planning or installing an outdoor security lighting scheme, contact your local electrician right away.

Do you have a specific way you place food in your refrigerator or do you just put food wherever you can find an empty spot? If you use the latter method, you probably see more food spoilage. In fact, you may have to occasionally go hunting through the fridge to find that rotten smell we have all been familiar with.

Decluttering your refrigerator is probably one of the easiest ways to prevent food from spoiling quickly. It’s an easy process once you develop a system for it. The main goal is to keep your food easily accessible and highlight the foods that need to be eaten as soon as possible (like strawberries).

The best way to start this process is to clear out all of the expired food in your refrigerator. This includes bags of leftovers you promised yourself you were going to eat and it also includes all of those jars you’ve had on the side of your door for the past few years.

Once you have only edible food left in your refrigerator, think about how you want to use it:

Dedicate space for frequent meal preparation. If you have a certain breakfast, lunch or dinner meal prep routine, dedicate a shelf or two for just those ingredients so you can easily grab them first thing.

Showcase the foods that will spoil soon. Have foods that are likely going to expire sooner than the rest displayed front and center. This will encourage you to use them in meal preparation. Clear containers also make it easy to see what’s inside.

Control the environment. Check the temperature to make sure foods are properly stored. Putting liners in the bins also helps absorb any moisture that could make your fruits or vegetables too cold.

Develop a rotation system. When you buy new food, make sure you put it behind your older food.  This keeps your food waste low and your budget on track.

Don’t forget the freezer. If it is older than 6 months, it is probably freezer burned by now and can be tossed.  Store your foods in airtight containers or bags and label them (include the date).  No more “mystery meat” for dinner, and no more wasted food.

The freezer is often underutilized. Bread, scrambled egg mix, leftover coffee, tea, and broths can all be frozen for later use. Your homemade soup, cooked rice and other dinner entrees can also be frozen if you don’t have a chance to eat the leftovers in time.

Try using an ice cube try to store single serving pieces of purees, sauces and beverages. Freeze leftover coffee for an iced coffee drink, or a cube of frozen veggie broth to whip up some gravy later in the week. Make smoothies down the road by freezing mashed or chopped fruit. Almost anything can be frozen except for canned foods in the can (although they can usually be removed and frozen) and eggs in the shell.

To keep your refrigerator decluttered, go through it once a week to identify foods that need to be eaten soon and toss what is no longer edible. Once your refrigerator is decluttered, you’ll save money by having less food spoilage and eat better because all of your food is easy to find.

Keep Your Refrigerator Running at its Best Quality

Making sure your refrigerator is well maintained can also prolong the life of the food inside. If your refrigerator isn’t working correctly, food is more likely to spoil. Consider these tips for proper maintenance of your refrigerator: