California Utility Bills Receive a Credit in April!

OLYMPUS DIGITAL CAMERAThe Climate Credit that we’ve all grown accustomed to seeing on our April and October bills has been moved to August and September when most Californians have higher utility bills due to the weather.

However, the PUC (Public Utilities Commission) is giving every California ratepayer a credit of $21.11 on the GAS portion of their utility bill this month.

In August and September, there will be a credit each month of $32.28 on the Electricity portion of each ratepayer utility bill.

Changing the distribution months will not change the total value of the climate credits you receive in a year. The shift will provide bill relief for customers and reduce bill volatility.

If you’re having trouble paying your utility bill and to learn more about the available resource to help you and your household, please visit sdge.com/coronavirus.

Visit Energy Upgrade California to learn about ways to lower your energy usage.

And if you want to save energy and earn money, check out my post about Ohm Connect.

 

 

Tips to Reign In and Out Of Control Family Budget: Shopping Around to Save!

683459ee810703fe032903d2443bf58d.jpgToday I’ll be sharing some ways to save money that takes a little more work but can definitely pay off in the end.

For some of us, this may seem like too much work, and that’s ok. Just because it’s something that my family does, doesn’t mean it’s right for everyone.

Insurance: Most companies offer a discount if you have more than one kind of policy. Example: State Farm offers a Multi-line discount. If you have your cars and another type of insurance (homeowners/renters/condo insurance, or a life insurance policy).

Some insurance companies serve a specific audience- for example, USAA is an insurance company for active duty or retired military. Because they serve a specific audience, they offer very competitive rates.

When you shop for insurance, have copies of all of the policies that you want to compare. That will help you see apples to apples. You can’t compare and try to save money if you don’t know what you’ve got. This is also a great time to go over all of your coverages and see if you need to increase or decrease coverages.

Due to state and federal regulations, you usually can’t shop for health insurance unless it’s open enrollment or you’ve had a qualifying life event (married, divorced, had a baby, retired, lost your job, etc.). Luckily, Tis the Season for open enrollment! We purchased insurance through the state exchange a few years back, before we had employer-sponsored insurance. It was not too difficult to navigate, and there are discounts available for a lot of people!

Cell Phones: This is my least favorite activity, but it can a money saver. Once again- have a copy of your contract or a copy of a recent bill that outlines everything your plan covers before you get started. If you are looking for a pre-paid plan, Tello has some great money-saving plans!

Internet: I hate dealing with our internet service provider. I always feel like they are trying to upsell me, no matter why I am calling in. We’re looking at changing our plan soon. The big kids school recently sent home information regarding a program that Cox offers called Connect2Compete. For those families that have qualifying social service(s), Cox can provide internet service for $9.95/month! That’s a great deal.

 

Talk Back: I’d love to hear your success story! Share how much you’ve saved by shopping around for your insurance, cell phone service, or internet service.

Earn Cash Back with Groupon+!

Screen Shot 2019-08-31 at 4.44.48 PM.png The other day I wrote about Mogl, which is an appt that helps you earn cash back at restaurants. Today I’m going to tell you about another Awesome way to earn cash back when you eat out: Groupon+!

It’s as easy as 1, 2,3!

  1. Sign up for free to get cash back at participating restaurants.
  2. Nothing to print our or bring in!
  3. Get automatic cash back on your credit card statement. (You can also use debit cards too, and the money will be credited to the account)

Cash back amounts vary from 5% all the way to 30%! And here in San Diego, there are some pretty awesome choices:

Screen Shot 2019-08-31 at 4.58.37 PM.pngScreen Shot 2019-08-31 at 4.59.26 PM.png

 

 

 

 

 

 

 

And these are just two of the great deals. There are tons of choices in various cuisines and locations!

And you can load multiple cards to Groupon+! I loaded all of our debit and credit cards, so regardless of what method we may with, we’ll be covered! And I know my data is secure because it’s Groupon and I’ve used their site to buy all kinds of deals in the past.

Free Credit Score and Monitoring with Credit Sesame!

Just like your home, your finances need to be cleaned up regularly. If you haven’t taken a look at your credit report lately,  it’s time to give your finances a fresh look and get your credit in tip-top shape.

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?

Start by making 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
* Limit ID Theft Damage
* Find Potential Errors Sooner
* Get Access to Better Loans and Save Money

What are you waiting for? Click here to register for free in under 2 minutes. You’ll get your free credit score and a complete view of your credit and loans. Plus, when you turn on the Credit Monitoring feature, you’ll be notified of changes to your credit profile, along with $50K identity theft insurance and live agents to help you restore your identity in case of theft. All for free. All in one place.

 

FREE Credit Score and Savings Advice from Credit Sesame!

Knowing your credit score is important. Having good credit can help you in several aspects of life:

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

Credit Sesame is so much better than some of the other credit report services.

  • You can get your credit score for FREE each month.
  • No credit card required – ever.
  • Personalized savings advice!

Getting started with Credit Sesame is easy- just click here! We’ve been using Credit Sesame for over 5 years!

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
* Limit ID Theft Damage
* Find Potential Errors Sooner
* 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.