Skip to main content

In the Balance

The weather in the Rocky Mountain West this year has been totally psychotic. It was atypically over 100 degrees for many days in June, then it dropped into the low 60s for a high in mid-August. Then there was the monsoon rain…ugh.

This kind of discrepancy in temperatures is enough to drive one crazy and sure does a number on your heating and air conditioning system. But, if you plan it well, it doesn’t have to do one on your energy bill.

If you have been in your current residence long enough, and if you are current on your energy bill, you can check into what’s called an equal-payment (aka balanced payment, level payment, or budget billing, depending on where in the country you live–there may be other names) plan. Basically, the energy company averages your last 12 months charges (the total you’ve paid during those 12 months divided by 12) and bills you that average amount. It makes budgeting much easier.

Now, sometimes your utility company will want to charge you extra for this. Don’t do it. Ask them to remove those charges, or just budget for the average amount (the total you’ve paid during the last 12 months divided by 12) yourself. Just don’t spend what you’re putting away. If your energy bill is low in the month of September, save the extra so you can use it in January.

Too bad we can’t do that with the weather.

Comments

Popular posts from this blog

Know Your Limits

When I was 17, I drove a 73 Nova. It used to be really easy to do things like changing taillights myself. That is no longer the case. If I tried that on my later-model vehicle (which is more like a computer than a car), I’d do more damage than good, because there are some thing you should just not do yourself. It will cost you more in the long run. That being said, there are probably some things that you usually pay someone else to do that are not getting done right now. My advice is to just be patient; depending on what it is and your skill level, it might end up costing you more to fix your mistakes. Let’s discuss some of those… Obviously, most if not all car repairs are just better done by a licensed, trained professional, including oil changes. They can also correctly dispose of used petroleum products. Depending on your tax filing status, a professional can help you avoid overpaying the IRS. I remember cutting my daughter’s hair when she was little, and I made a me...

Gifts that Matter

When I think about my childhood, there are a few events (some good, some not so good) that really stand out. These specific incidents made big impacts on me, so they really stuck. I bet you can say the same thing. These encounters, good and bad, help shape who we are. As parents, it is our job to teach our children to be honest, upstanding, contributing members of society. This does not happen by accident. Part of this process involves the experiences we give our children–we can orchestrate PEAK moments for our families that will leave lasting impressions on young, impressionable minds. What is a PEAK moment? According to de Jager Meezenbroek, Garssen, van den Berg, van Dierendonck, Visser, and Schaufeli in the Journal of Religion and Health , “Peak experiences are often described as transcendent moments of pure joy and elation. These are moments that stand out from everyday events.” Christmas offers an EXCELLENT opportunity to offer experiences that can become “PEAK moments” in ...

It Happens Like That

And, in what seems like the blink of an eye, Memorial Day is over, school is out (or almost out), and my favorite time of the year is here! I love summer. I love it when the sun comes up early and wakes me. I love flip flops and shorts. I like to be warm (ok, not HOT, but warm). This is when I thrive. And I think it’s an excellent time to take a vacation or road trip. That being said, I plan a long time in advance for a vacation because I won’t finance one–and I’ve taken some pretty amazing vacations! I don’t usually just take off on last-minute road trips, either, but I’m learning to be more flexible in my old age. So I have done that on occasion, too.  Now, this blog post isn’t about the last-minute drives I’ve engaged, cruises I’ve embarked, or the countries I’ve explored (being a debt-free, self-employed, budget-loving, young, empty-nester has its perks!). This post is about getting you to a point where you, too, can take vacations without stressing about paying for it late...