Make or break a habit in 21 days3R’s in 21 Days

A company named 21 habit has a cool online monitoring program, which allows you to set a 21 day goal at $1 per day. Each day you check in you get a dollar back. Since Earth Day is around the corner, we at Mahar Insurance thought it would be a good idea to focus our 21 day goal on the 3 R’s; Reduce, reuse, recycle.

What exactly does this mean?

Most likely, you’ve heard that catchy phrase connected with information about saving natural resources and even saving your family money. But how many of us really make reducing, reusing and recycling a part of our everyday life?

Mahar Insurance Team - Safeco Michigan Insurance Agent - Liberty Mutual Indiana Insurance Agent - Progressive Illinois Insurance AgentDoing Your part to make everyone’s life better.

In 2011, BASF a giant chemical company and MLB’s Seattle Mariners announced the beginning of massive multi-million dollar recycling program throughout Safeco Field.

Last year Safeco Insurance celebrated 15 years of supporting Safeco Field. As an insurance agency partner of Safeco, we at Mahar Insurance, are happy to say that we are trying to do our part to protect our environment and use our resources wisely, as well. And we’re hoping you’ll take the time – if you’re not already – to make reduce, reuse and recycle part of your daily routine. Depending on where you’re starting from, it may take a change in mindset, or maybe just a little more dedication.

We have found the using the fun tool to 21 Habit can make reduce, reuse and recycle a part of our natural daily routine and fun while developing the new behaviors.

Tips from the Environmental Protection Agency can help you make the 3R transition, as well.

Reducing and reusing

• Look for products that use less packaging. Companies use less raw material when they use less packaging, reducing waste and cost. This means that you can save money while helping to protect the environment. A great example (though it sounds at odds with “reduce”) is buying items in bulk.
• Avoid disposable items. Take your own travel mug to the coffee shop, for instance, or bring real silverware to work for lunches, instead of using plastic.
• Let technology help. New compact fluorescent light bulbs use far less energy than standard bulbs, and low-flow shower heads, coupled with aerators, can reduce your water use without you even noticing.
• Invest in maintenance. When properly maintained, many items, such as appliances and clothing, won’t need to be replaced as frequently.
• Don’t buy limited-use items. If you need something that you won’t use more than once or twice, such as a power tool, see if you can borrow or rent instead of buying.
• Donate! When you’re done with an item, if it’s in good shape, consider donating it to a charitable organization that will sell it or continue using it. You just might get a mcc4tax deduction, too! And don’t forget, you can always buy used items as well.


Recycling isn’t just about putting your cans, bottles and newspapers into a bin, although that plays a big part. Here are some other things to consider.
• Electronic waste: TVs, computers, cell phones and other electronics should not go into landfills. Many companies offer options now for proper disposal at little to no cost. Even printer ink cartridges can be recycled.
• Food waste: In many communities, food scraps and waste are collected along with yard waste and used for composting.
• Restaurants and grocery stores: Some establishments are beginning to offer separate bins for recyclable materials and food waste. Be sure to use these when available, and if your favorite place doesn’t offer this option, ask about it!

Though your actions may seem small, they do make a difference in the surrounding Dowagiac, Michigan community — and the world. And when they’re combined with the efforts of millions of others, the impact is even bigger than you can imagine!

In fact, one small and easy step could be going paperless. Contact us to and request paperless invoicing, and email updates versus paper hard copies.


We are in this together. At Mahar Insurance, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable.

Just give us a call at (269) 782-8646 or send us a note at:

Mahar Insurance
210 W. Division Street, PO Box 388
Dowagiac, MI 49047.

We want to help you meet your goals, and make sure what’s important to you is protected!

Content provided by Mahar Insurance and Safeco Insurance