Totally agree with you on the reassurance factor of having cash set aside. Credit lines are handy, no doubt, but there's something about knowing you'v...

I've noticed some savings too, but honestly, the biggest benefit for me has been convenience rather than cost. Being able to adjust the temp from bed ...

Couldn't agree more—just went through this myself. Thought I could eyeball it at first, but quickly realized numbers don't lie. Smart move doing the l...