Wednesday, March 13, 2019

Six Ways My FREE Utility Bill Analysis is Saving Me Money!




In a recent post on home energy savings tips, I mentioned the Citizens Utility Board (CUB), a non-partisan organization fighting to keep utility costs fair and equitable.

Their staff of experts will analyze your utility bill for FREE, looking for overcharges, oddities, and ways that your home may be sucking a disproportionate amount of power.

Words like "free" and "saving money" instantly get my attention.We have recently been taking some steps to try to minimize our power usage. So, I was interested to see if they would have any recommendations to give me!

They sure did! I'm going to share with you verbatim much of my personalized report on our home energy usage.

(Disclosure: Posts on my blog may contain affiliate links. If you make a purchase after clicking on the link, I will receive a small commission at no additional charge to you. Thank you.) 

#1 - Check electric and gas consumption


The very first item on the report was the reviewer's general impression of our overall bill. She noted: "electric usage (823 kWh) and gas usage (173 therms) seem fairly normal for a single-family home, especially in the winter. I assume it is gas heat, in which case the electric use is a little high." 

I was stunned that she had caught the fact that although our gas usage was within expected limits, our electric usage was a little high. She was unaware that we own an electric car! This, of course, accounts for our increased electric usage. But, the very fact that she was thorough enough to take the time to note that perhaps our electric use was a bit out of bounds was amazing to me! This is a person who is looking at even small details.

You can find out generally expected gas and electric consumption amount (based on the square footage of your home) at this website. This site also compares energy costs by state - super interesting data to look at!


#2 - Check for rebates 


My reviewer, Cate, then went on to explain that lighting costs comprise about 10% of the average utility bill. While vampire power can suck up to 20% additional energy. If you think that's a high amount, hold on to your hats! Apparently heating accounts for a full 42% of your energy expenditures.


Believe it or not, your utility company is your first line of defense in lowering your bill. Most companies offer a variety of services, designed to inform and help their customers use energy wisely.


  • Energy Audits: See if you qualify for a free energy audit. My company, Ameren, will not only perform an extensive audit for no cost if you meet certain income requirements, they will install energy saving devices in your home for free . I talk about this program in Ten Tips for Saving on Your Utility Bills
  • Do not automatically assume that you make too much to qualify. Our family very easily meets the income requirements for a free audit. 


Here's a chart to check your income and family size to see if you qualify. 

Number of Persons in HouseholdMaximum Income
1$36,420
2$49,380
3$62,340
4$75,300
5$88,260
6$101,220
7$114,180

  • Rebates: Your utility company may also offer rebates on energy efficient products and appliances. 

For example, Ameren (my utility company) currently offers rebates on:
  •  LED lighting
  • Advanced Power Strips
  • Smart thermostats

#3 - Read up on Energy Efficiency Tips

 

There is a lot of information available to help the consumer manager his or her costs. Check out the "fact sheet" portion of the CUB website. I picked up a number of super helpful free publications from their booth at a recent energy savings event.

Cate, from Citizens Utility Board, reminded me, "The Department of Energy also has a great website with information on energy efficiency, with a lot of DIY strategies."


#4 - Check Kilowatt use 

https://amzn.to/2O1pJ9X
If you've never used a "Kill A Watt meter", then I can attest to the fact that you are missing out on a whole lot of fun. Several years ago, my husband taught our boys science. (We've homeschooled for nearly 20 years). He chose to spend an entire semester on energy, specifically alternative energy. This sixteen week long science adventure is, by the way, how I wound up with solar panels attached to the side of my house. But, that's another story!

My husband, Larry, found out that the Peoria Public Library had a "Kill A Watt meter". Patrons could check out (for free) to monitor their energy use at home. They picked it up and those boys were all over my house, monitoring our electric usage on everything but the dog!

Not only was it fun and educational, we found out that we were using a whole lot more power than we ever imagined. We also discovered sources of phantom power. (Yes, it's a real thing! And it happens far more than you realize!) Scott, from Citizen's Utility Board explains, "You plug devices into the meter and it tells you how much energy they use - even when the devices are inactive, they are still using power." That's phantom power!


My actual microwave - with the Kill-O-Watt readings written on the side!

Larry had the boys use permanent black marker to mark the electric usage on the side of our appliances. This is why, ten year later, my microwave still has the power usage written in permanent black marker on the side of it!

Scott, a CUB representative, called and confirmed that the Kill A Watt meter is still available at the information desk of the Lake View Branch - 1137 W Lake Ave, Peoria, IL 61614 - (309) 497-2200.

If you'd like to own a Kill-O-Watt Meter, you can purchase this 4-star rated model from Amazon!

#5 - Check for Multiple Discount Opportunities


  • Smart Power Pricing - My husband and I are on our utility's Power Smart Pricing. This program, which is available for a very small monthly fee, allows us to buy electricity at a fluxuating hourly rate. The price is generally lowest early in the morning and late at night, peaking in mid-day. For more information, see this post, in which I give you TEN tips for saving money on utilities.

  • Peak Time Rewards -  You could have knocked me over with a feather when Cate wrote, "I assume they are also on Peak Time Rewards, and if not, they should be."  I thought for sure that since I was already on one energy-saving program that signing up for another was "double-dipping." Not so!

Peak Time Rewards is another money-saving program, but, unlike Smart Power Pricing, this one is free! It allows you to receive a discount on your bill when you agree to reduce energy consumption during specific hours and days.

Utility companies will call or text you when they need you to turn up the A/C or down the heat in your home. An example would be the mid-August, 100 degree heat in Illinois. The energy provider might realize that the grid will be super stressed from 2-6pm on that day and send out an alert that if you modify your air conditioning, specifically during those hours, you will receive a small discount on your bill that next month as their way of saying "thank you."

  • High Price Alerts - Cate urged us to sign up for the "High Price Alerts" to be notified if the price is expected to be over 9 cents per kWh on the following day. Check with your utility company to see if they offer these alerts. This is super important during the hot summer months.

We signed up for these quite some time ago and receive these alerts on our phone. They tell me exactly when that peak will hit, so that I can plan to do things like laundry the next day before I am paying a whole lot more money to run that machine. (Speaking of laundry, see this post for a list of things that Larry and I did to cut expenses when we were saving to pay cash for our second home. Line drying laundry not only saved us money, but it was actually pretty easy. I still love hanging laundry whenever I can.)

  • Seasonal Newsletters - Your utility company will often offer quarterly reminders on how to save on energy costs. For instance, Ameren customers can sign up for  seasonal Ameren newsletters, filled with efficiency tips. 

6) Reduce Peak Use 

Cate offered one last useful bit of information, "You should be able to log in to your Power Smart Pricing account online to see how much electricity you used for each hour of the day. That can help in deciding how to change behavior according to when prices are higher." 

I seriously had no idea that the power company offered me access to all the nuances of my own power usage. For a budget geek like me, that's heady knowledge! I totally love the idea of being able to see exactly when our family is using the most power and spending the most money.

Cate added, "On Power Smart Pricing, the Transmission Service Charge ($6.32 on this bill) depends on your electricity usage during one specific hour period - the peak electricity demand. The system peak hour is one hour in the billing period in which electricity demand was highest across all Ameren Illinois territory."

I had never noticed this charge on my utility bill - and even if I had, I would never have known what it was or what a "system peak hour" was!  Here is the bottom line:  If I minimize my electricity usage during peak times, I will most likely also minimize this charge.! Once again, CUB was arming me with information to help me save money! 

 According to the PSP website, "The system peak hour typically occurs between 1 pm and 5 pm on hot afternoons in the summer, and between 6 pm and 9 pm in the winter....You can reduce your Transmission Service Charge by using energy wisely when electricity demand and prices are high." 

In other words, by knowing peak usage times and being able to track our usage during these periods of time, I can plan more efficiently and, thus, save money on my utility bill.

  Get Your Own Analysis

 

If you live in the state of Illinois, Citizen's Utility Board is happy to give you your own analysis. Even if, like me, you think that you are a generally well-informed and proactive utility consumer, you are still sure walk away with useful, helpful, and personalized information to help you save money!

Head over to the Citizens Utility Board website and click on the contact button to request your personalized utility bill review. Alternately, you can check out their calendar of events. They are all over Illinois at a multitude of events throughout the year. You can take along your current phone and utility bills and they will do an on-the-spot, in-person analysis for you for free! If you are looking to save on your bills, these are a great group of people to get to know!

If you don't live in the Land of Lincoln, check with your local utility or your local city hall to see if your community or state offers a similar service.

Further Reading

Here's a list of Under the Median articles that give your more tips and ideas on how to save money on household expenses:

Save On Utilities with These Ten Easy Tips

Three Water Conservation Hacks That Actually Save You Money

Four Ways to Slash Your Budget

Ten More Ways to Slash Your Budget


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Do all to the glory of God, 

Hope

Tuesday, March 12, 2019

Celebrating Super Savings at Kroger


I ran into Kroger really quickly today and wanted to share my savings right away. There are some special coupons I wanted to make you aware of.


Kroger 5X Digital Coupons 


Kroger is featuring some fantastic digital coupons right now. You load them directly onto your Kroger loyalty card. You may use these special coupons up to 5 times each! Here's a link to the Kroger website. You'll see the banner for the 5X digital coupons right on the front of the page. 




$1.29 a jar after coupon 


Kroger peanut butter. The regular varieties are on sale for $1.49. The natural (the kind I buy because it has just two ingredients: peanuts and salt) is a little more expensive. It's $1.79 a jar. 

But, there is a special $.50 off coupon you can digitally add to your Kroger card right now! You can use the coupon up to 5 times! So, I got each of these jars of natural peanut butter for just $1.29 per jar! If you buy the regular version it will be just $.99 per jar after you apply the coupon. 


$.19 each after coupon! 

Each 100 count caplet box was on sale for $1.19. After I applied the $1.00 digital coupon, the cost was just $.19 per box! 

These are great for putting in the glove box of your automobiles, throwing in your purse, or donating to a local shelter or non-profit organization! 

Friday Freebie




Free!


This was the Friday freebie download last Friday! I have no idea what it is like. But, since I rarely purchase anything with sugar in it, my boys will split this and think I am the nicest mom in the world!


Markdowns



$1.49 After Markdown and Manufacturer Coupon

I was hankering for some grapefruit juice today. I walked into the store and, lo and behold, I immediately spied this quart of grapefruit juice marked down to $1.99. There was an additional $.50 paper coupon. So, I got it for $1.49. 


Marked down to $1.39. 

This was actually what I was looking for at the store in the first place! Greens! You all know that I bulk cooked on Saturday. But, running out of salad greens will result in my running to the nearest store as quickly as possible. Italian salad mix would not have been my first choice. I really like deep greens like kale and spinach. But, this was half price and it will get me by until I can hit up another store tomorrow.


My Total: 


I spent just over $10.00

I saved $14.00. 

 50% savings! 

Pretty good! 


What have you scored this week? Let us know in the comments. 


Sunday, March 10, 2019

I Cut My Grocery Budget in Half With Bulk Cooking!





In 2019, I have been concentrating on three main goals with regards to our food budget.

  1. Use items that I have stored in the freezer. As the growing season approaches, I need to clear out space in that freezer so that I can get this year's crop in there!
  2. Use items in my pantry. I have gotten some killer deals on canned veggies, tomatoes, and beans. But, it does me no good to buy it and then not use it, instead heading to the store every time my fresh food stash looks a little lean.
  3. Keep a lid on my winter grocery bill. Our total food/household budget must average no more than $450 a month. This includes our Community Supported Agriculture (CSA) share, all food, plus household necessities like shampoo, toilet paper, napkins, garbage bags, etc.

In January, I bought a Community Supported Agriculture (CSA) share membership for $600 and a farm produce card to the same local organic farm for an additional $100.

So, I started the year already having already spent $700 of my grocery money. After I subtracted this amount, it left me with just $390 per month for both food and household items - for five people (six when our oldest is home from college). Remember, I have four sons, all of whom have very healthy appetites!

From May to October, our CSA share allows us to pick up a bushel basket of food every single week from a local organic farmer. So, during the 25 week growing season, my $390 per month food/household budget is a piece of cake! However, in the winter, when we no longer have a weekly influx of fresh produce, my budget quickly gets out of control.

I have often justified my crazy grocery spending during the first three months of the year, by saying, "Well, we need to eat!" But, I have discovered that If I overspend in the first quarter of the year, hoping to spend less during the growing season, thus making up the difference, it never works. I am constantly "Robbing Peter to pay Paul!"

So, this year, I decided ahead of time that I would take measures to insure that I was not overspending on food. Thus, my self-imposed "bulk cook-from-the-pantry" challenge.

Is it working? 

Thanks for asking! It's going quite well! Here are my actual totals!

January - $244.84!
February - $309.57

I am a happy camper! These are two months which traditionally hit $500-$600 for us!

One good thing about me is that once I see that a game plan is paying financial dividends, I am "all in"! Bulk cooking works!

In case you missed this month's bulk pantry cooking posts: 


Here's the post of Week #1 bulk pantry cooking day.

Here's week #2 where I share three food prep tips guaranteed to save you money!

This week:

My fridge was, clearly, once again, nearly empty. So, it was time to get creative and clear out some more space in that pantry and freezer.


Here's the all the fresh food I had on hand.

  • 2 celery stalks
  • 2 carrots
  • 1 medium onion
  • 4 heads of garlic
  • 1/2 a large jar of unsweetened applesauce
  • 8 sweet potatoes
  • 1 pound of mushrooms
  • 1 pound fresh spinach
  • bottled lemon juice

Was I depressed? Well, ... a little. 😁 But, I forged ahead, grabbing two cookbooks off the shelf.




The 14 year old sous chef sat down with me, pen and paper in hand and we got to work! I had to pull more from the pantry and the freezer than last week. But, that's the goal, isn't it?

What other ingredients did I add?

Here's a list of everything I grabbed from my pantry and my freezer.

(This post contains affiliate links. If you make a purchase, I will receive a small commission at no additional charge to you. Thank you. When you click on the product links you will be taken directly to a link, showing you my recommendations.)

Pantry 

 

Freezer 

  • broccoli
  • mixed veggies
  • sliced summer squash
  • cilantro
  • sliced jalapeno peppers
  • grated zucchini
  • banana peppers
  • roasted squash cubes
  • leftover roasted red pepper sauce
  • greens
*Most of these items were items from last summer's growing season. For detailed instructions on how to preserve produce, read my three-part series on "putting food by for winter". 




What did we make?

Soups:

 

Sweet Potato Black Bean Chili


 Everything Minstrone


Ethiopian Stew


Entrees:

 

Quick Burgers 


 

Tropical Sweet-n-Spicy Lentil Burgers 

 (This is my recipe and it is one of my favorites!  You can download a free PDF here.)


Chickpeas and roasted red pepper sauce over brown rice



Breads:

 Cornbread




Zucchini Muffins

We added strawberries and they turned out a little too moist. But, the taste was amazing!

Side Dish:

 

Broccoli Pasta Salad 

(The 14 year old sous chef and I just made this one up as we went along). 

Life Lessons: 

I am learning that although I often feel that there is no food in the house and no ingredients with which to make dishes, that's not really true. Instead of running to the store, I am learning to see what I have on hand and use it! It's really quite emotionally freeing, not to mention monetarily freeing! 

What about you? Do you bulk cook? Have you ever tracked exactly how much money it is saving you each month? Leave your thoughts in the comments section.

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Hope





Friday, March 8, 2019

Three Food Prep Techniques Guaranteed To Save You Money!




Today I'm not talking about clipping coupons or comparison shopping. I'm showing you three super-easy ideas, which will enhance your weekly cooking routine. You will not believe how simple they are to incorporate into the way you prepare the food.  As an added bonus, they will save you lots of money on your monthly grocery budget!

#1 - Use one main ingredient for multiple recipes. 

If you want to save some serious money, use one or two ingredients as the base of multiple dishes. 


1 big pot of beans = 4 recipes = 8 meals!

This is a pressure cooker full of chickpeas. Two pounds of dried beans costs me just $2.50 because I buy them in bulk.

All these beans will become the backbone of four nutritious, filling recipes. Each recipe is enough for TWO meals, meaning that my $2.50 investment in chickpeas gave me items for eight meals! That's some serious dollar stretching!

A Sample Game Plan! 

 


1. A big batch of my chickpea soup. I created this recipe many years ago when I found a similar recipe in a favorite cookbook. The original had ham and parmesan cheese. I redesigned it into a nutrient-packed vegan version. I make a big batch at least twice a month. 

2. Tuno salad (vegan sandwich spread so good you'll want to eat it by the spoonful)
3. A batch of hummus. We use it not only for dipping raw veggies, but also for spreading on tortillas and then topping with an assortment of sliced raw veggies and greens. Drizzle with homemade salad dressing. This is amazing for lunches! 

4. Chickpea Barbecue for sandwiches - sort of like sloppy joes, only with amazing-for-you vegan goodness! I talk about this recipe and the inspiration for making it in Tip #3 of this post.

#2 - Creative Leftovers

Creative Leftovers: It's one of the main keys to eating healthy food on a budget! Some folks hear the word "leftovers" and just break out in hives. Maybe that's because they are envisioning eating the exact same dish for two or three nights in a row. The sheer monotony drives them crazy.

Forget that sad scenario! That's not what I'm talking about. Creative leftovers means that you use one main dish and then create 1 or 2 more completely different meals, using that original dish as the base for those additional dishes.

Let's look at an example:  

 


Sunday: Last week I bought a huge head of cauliflower at SAMS for $3.00. I roasted it for lunch on Sunday. (Here's the recipe for roasted cauliflower from Minimalist Baker. It is amazing and my kids are all constantly begging me to make it again!


Monday: cauliflower tacos - featuring 1/2 a head of leftover roasted cauliflower, leftover brown rice, leftover roasted sweet potatoes, and a jar of salsa. Mash the sweet potatoes and spread on tortillas (this will help hold the filling in the tortilla), add cut up cauliflower and brown rice. Top with salsa and roll. Voila! Another tasty dinner for just pennies!

In fact, there was enough left over for a couple of us to enjoy it for lunch on Tuesday. I threw the filling over greens for a main dish salad. But, then, I throw nearly anything over greens.



#3 - Think Outside the Box. 

There are couple of distinct parts to "thinking outside the box." First, I must admit that I have always viewed recipes only as guidelines, like a list of helpful ideas. The ability to know how to creatively substitute and interchange ingredients is a critical skill in saving money on your food budget.

If a recipe calls for cauliflower, often broccoli is a perfect substitute. Don't have any wax beans on hand, substitute green beans or another vegetable. Once you get the hang of which colors, tastes, and textures can be effectively combined, a whole new world of quick and easy lunch and supper dishes will be opened to you! 

Thinking outside the box also includes looking at what you already have on hand and using it, before you run to the grocery store, believing that you have "nothing" in the house with which to make dinner. 

An Example: My Weekday Dinner Solution

 


Recently, my 20 year old got home from work and asked what was for supper. I gave him a list of options, none of which sounded good to him. I had made a crockpot of homemade baked beans and he asked for some sort of sandwich to go with them. Since I don't eat meat, beef was not on the menu - nor was it in the house. But, I really wanted to give him that barbecue sandwich. It was then that I realized that I still had some leftover garbanzo beans from earlier in the week. Quickly, I brainstormed some possibilities. I sauteed onions and garlic, added the beans and some bottled barbecue sauce. As you can see from the photo, the end result resembled traditional barbecue, at a fraction of the cost.

Just beans?

 

Am I telling you that you have to cook only beans to save money? No!  What I am suggesting, is that you should take these three tips and run with them! By modifying them to match your family's personal tastes, you will save big money on your monthly grocery bills!

What are your best money-saving food -prep tips? Let us know in the comments below. 

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Hope

Sunday, March 3, 2019

Four Ways To Afford Luxuries When Money Is Tight



I guess everyone's definition of what constitutes a "luxury" is different.  When you are living under the median, often a "luxury" seems to constitute anything that is more than your "four walls".  I'll give you some examples and ideas of how to continue to add a little "bling" to your life, while paying off debt and setting your sights on becoming debt-free.

Whether your "luxury" is buying ice cream, going out to eat, taking a family vacation, or buying a designer purse, here are some tips for how to insure you have some fun and joy along the way on your debt-free journey. 

#1 - Do it Less Often

Vacations

No matter the luxury, a good way to fit it in your budget is to do it less often.  Planning a major trip every other year can make good sense when raising a family on a moderate income.  We planned a lot of "stay-cations" with day-trips sprinkled throughout our time of rest.  If you can drive somewhere and get back home within a day, then you can visit all sorts of regional museums, parks, and points-of-interest.  Take lunch with you and plan to eat out at an inexpensive restaurant.  Google, "day trips" and then the name of your state or "summer festivals" and your state.   I've done it!  You'll find all sorts of ideas that you never even knew existed!

Need more ideas?  Here's a post on saving on travel. I tell you how to save on food for the car, snacks, restaurants, and accommodations. 

Eating Out

When we were raising the boys, I could count on one hand the number of times we went out to eat every year.  This included fast food joints.  We had very specific financial goals, and eating out simply did not fit in with the focus we wanted for our family time.  But, rather than cut it out all together, we made it an extra special treat.  

I recently did two posts on this topic of saving money at restaurants. Read "My Top Ten Tips for Saving Money at Restaurants" and "Ten MORE Tips for Saving Money at Restaurants."  I gave you a ton of tips on inexpensive ways to eat out.  

#2 - Buy or Use Less of it 

Expensive Food

If you just can't stretch your budget enough to include it, rather than eliminate it, simply reduce your use of it.  To me, expensive food products fit perfectly in this category.

When we decided to quit buying and using refined sugar, it quickly became clear that sugar alternatives like honey, real maple syrup, or xylitol were expensive!  So, rather than risk the health of our family or derail our financial goals for the sake of sweeteners, we simply used less of it.  I didn't make as many desserts. I routinely add half the amount of sweetener called for in recipes and the finished product still tastes great. I learned to like my oats topped with mixed berries and no added sweeteners.

When the price of vanilla soared, I made my own.

You can use the same rationale for reducing your use of expensive meat, cheese, or seafood.  Just use it less often. 


#3 - Save Up for It In a Special Fund

Treats 


When we were raising our 4 boys our grocery budget was very tight. There was no room for "extras". Ice cream was an extra - since it isn't a real food product like potatoes. 

 So, we came up with a plan to save all the change that we found on our nightly family walks in a special jar. You would be amazed at all the money you can find lying on the street!  Twice a summer we had enough for a half gallon of ice cream!  The boys absolutely loved it!

Okay, you don't have to walk around your neighborhood looking for street-found-money.  But, you can devise another way to save money for special treats.  Maybe you can use some of the birthday money that it given to you.  Using money from store rebates is another great idea!  The idea is that this money should come from out-of-the-ordinary sources and not your regular monthly budget. 



#4 - Ask For It As A Gift

Memberships

I'm not suggesting you ask your folks to pay off your large credit bill.  But, if your family would love a family membership to a local museum or zoo, there is nothing wrong with asking Grandpa and Grandma to give it to you as a Christmas gift.  Most of the time, they are really anxious to know what would most please you and the children.  So, if there's a luxury item that is truly beyond your grasp, then ask for it as a gift.

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