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Good credit gives you better access to better APR’s for credit cards, mortgages, car loans, lines of credit.

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California Climate Credit- Savings on Your April Utility Bill.

Screen Shot 2019-04-13 at 9.24.20 AM.pngImagine my joy when I opened my email this morning and I found out I have $44.85 SDG&E bill!

And if you have any of the following utilities: PG&E, SDG&E, SCE Pacific Power and Liberty Utilities, your April bill will have a credit.

The California Climate Credit. From the CPUC website:

“Twice a year, millions of California residents receive a credit on their utility bill identified as the “California Climate Credit.”  The California Climate Credit is part of California’s efforts to fight climate change.  This credit is from a state program that requires power plants, natural gas distributors and other large industries that emit greenhouse gases to buy carbon pollution permits.  The credit represents residential utility ratepayers’ share of the payments from the State’s program.  The credit program was created by the CPUC, which also oversees the program’s implementation.

Currently, all residential and eligible small business electricity customers of PG&E, SDG&E, SCE Pacific Power and Liberty Utilities receive the credit, as do all Community Choice Aggregator (CCA) customers.  In addition, natural gas residential customers of PG&E, SoCalGas, Southwest Gas, and SDG&E also receive the credit.  Customers don’t need to do anything to receive the credit – it is automatically applied to their bills.  The credit amounts vary among utilities, CCAs and from year to year.

If you’re not sure whether you’re receiving the Climate Credit, the first thing to do is contact your utility or CCA, the same as you would do with any billing questions.  That’s because although the CPUC oversees the credit and can help with any remaining questions you have, your utility or CCA is best positioned to access your individual records and answer questions about individual accounts.”

The 2nd credit will be on the October bill.

In addition to this credit, we also use the TIME OF USE billing to our advantage. Here is an article I wrote about last summer with some tips about how to save on your utility bill. Time of Use billing isn’t for everyone, but we use it as I am able to do the bulk of our energy using chores during off-peak hours, such as dishes and laundry.

And one thing that I find super helpful- We signed up for Ohm Connect a few years ago and it texts and/or emails you when you should conserve more power due to the demand on the power grid. It’s a win-win situation: You save money on your power bill, and you earn points from Ohm Connect that you can cash out for Paypal, Amazon or Target Gift Cards, OhmConnect store credit (to buy energy efficient thermostats, smart plugs, etc.) You can learn more about OhmConnect here.

Earn Gift Cards with Radial Insight!

With Halloween coming up, I’ve been busy busy busy! Trying to find fun and free events for the kids (and to share with you!), making costumes, and getting into fall with baking. I had to put the brakes on all my crazy busy-ness to share a great way to make money: Radial Insight.

Screen Shot 2018-09-27 at 9.40.56 AM.pngIn addition to doing surveys to earn money, Radial Insight has a program called Receipt Rewards. Receipt Rewards is a new and exciting way to earn rewards from Radial Insight. By submitting receipts for your online shopping at Amazon.com, Walmart.com, Target.com, Jet.com, Costco.com, and DollarGeneral.com, you’ll earn instant rewards.

Please note — you must be a member of Radial Insight’s public opinion panel to participate in Receipt Rewards. If you want to join, leave me a comment with your email address and I’ll shoot you an invite!

 

It’s super easy and quick. I joined and added the Chrome Extension to our browser yesterday and followed the steps (it took less than 15 minutes, BTW) to get everything connected to my Amazon, Walmart, Target, and Costco accounts. I really wasn’t expecting to earn that much, since I’ve been cutting back on our online shopping, but look what was in my inbox this mornings:

Screen Shot 2018-09-27 at 9.26.20 AM.png

Uh…. WOW. And it’s totally legit because I just cashed out for a $49.60 Amazon Gift card, which I will use to buy stuff that has been on my wish list for a while. And I’ll earn more rewards! There are gift card options for over 25 retailers and restaurants.

Still unsure that Radial Insight Receipt Rewards is for you? Here are the FAQ:

Receipt Rewards Frequently Asked Questions

From which websites does Receipt Rewards accept receipts?
Receipt Rewards accepts receipts from Amazon.com, Target.com, Walmart.com, Jet.com, dollargeneral.com, and Costco.com. If and when we accept receipts from new websites, we’ll be sure to let you know.

How old can the receipts I send in be?
There is no limit to how old your receipts can be.

Are there any types of receipts you do not accept?
We do not accept receipts for Amazon.com digital orders or gift card purchases, balance reloads, or in-store pick-ups from any website.

What do you do with my receipts?
We use the receipts you send us to learn about how Americans shop online and about current retail trends. Your personal information is kept secure and used according to the Radial Insight Receipt Rewards Terms provided below.

How will I get paid?
After you’ve accumulated $1 in Receipt Rewards, and for each full $1 you earn, you’ll receive a Tango Card with your reward. Tango Cards may take 24 hours to be sent.

And if doesn’t seem like a good fit for you, but are still looking for some other ways to make money, check out my post about side hustles.

Shopping online this weekend?

If you are shopping online this weekend, please check out Credit Sesame before you start. Shopping online can open yourself to having your credit compromised- Hackers, Shifty websites that look like the legit websites.
It’s time to give your winter finances a fresh look and get your credit in tip-top shape. Thanks to Credit Sesame, I recently found a mistake on my credit report-it was easy to get rectified too!

Did you know that the recent FTC study found that over 20% of Americans or 40 Million credit reports have reporting errors that are costing consumers money in credit card interest rates and loans?

Make sure that your credit report does not contain erroneous information that could be impacting your credit score. Keep tabs on your credit report activities and your score by signing up for free credit monitoring and score services like Credit Sesame, so that you can easily protect your financial good standing.

* Receive daily credit monitoring alerts
* Get your FREE Credit Score Monthly
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* Get Access to Better Loans and Save Money

And unlike those “free” credit report offers that you see on TV with the catchy jingles, Credit Sesame is 100% free. You don’t have to enter your credit card number.