Never be broke again: how to avoid being poor

“What’s your power bill worth?” my neighbour asked me. He lives opposite me across the landing, and I’d just dropped off a newsletter I’d made offering my friendly neighbours my help.

After some information sharing, it turns out he was paying close to $700/quarter — more than double my electricity bill. “I’m a fairly frugal user,” I said. Next he asked me if I kept the heater on all…