What if you dont pay electric bill?
10 years ago
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Comments (10)
- 10 years ago
- 10 years ago
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Glad I don't have their electric bill
Comments (11)Around here are several neighborhoods where who's-got-the-mostest seems to prevail with house after house having yards full of every geegaw imaginable, lit and flashing. Maybe I'm another Grunch, but some of those places have passed beyond conspicuous consumption and are just tacky. My neighborhood mostly does the door wreath or swag, a lit tree visible in the living room window, and maybe a garland-wrapt mailbox. Some don't do any special decorating and they don't look out of place or left out; just a silent statement that it's okay to not decorate. Of course there is the exception that proves the rule, and that's the house across the street. It has progressed from one small tree in the corner of the front lawn (3 years ago) to (this year) three 30' trees each with so many lights the branches are hidden. Tree lights go on at dusk and stay on until dawn, so bright the street lights don't come on; their electric bill is going to be a whopper!...See MoreSo, what's your typical monthly electric/gas bill?
Comments (22)KellyEng, this is the usage history since moving into this house January 2005. More details are provided when they were recorded in my records. Period 1/21/2005 to 2/xx/2005, 1,004 KWH Period 2/xx/2005 to 3/xx/2005, 696 KWH Period 3/xx/2005 to 4/15/2005, 727 KWH Period 4/16/2005 to 5/17/2005, 34 days, 655 KWH Period 5/18/2005 to 6/18/2005, 32 days, 1,296 KWH Period 6/19/2005 to 7/18/2005, 30 days, 1,471 KWH Period 7/19/2005 to 8/18/2005, 31 days, 1,521 KWH Period 8/19/2005 to 9/18/2005, 31 days, 1,651 KWH Period 9/19/2005 to 10/18/2005, 30 days, 1,384 KWH Period 10/19/2005 to 11/16/2005, 29 days, 833 KWH Period 11/17/2005 to 12/18/2005, 32 days, 1,263 KWH Period 12/19/2005 to 1/17/2006, 30 days, 1,103 KWH Period 1/18/2006 to 2/19/2006, 33 days, 1,083 KWH Period 2/20/2006 to 3/19/2006, 28 days, 760 KWH Period 3/20/2006 to 4/19/2006, 31 days, 831 KWH Period 4/20/2006 to 5/19/2006, 30 days, 1,075 KWH Period 5/20/2006 to 6/20/2006, 32 days, 1,523 KWH Period 6/21/2006 to 7/19/2006, 29 days, 1,756 KWH Period 7/20/2006 to 8/20/2006, 32 days, 1,877 KWH Period 8/21/2006 to 9/xx/2006, xx days, 1,476 KWH (haven't yet received this bill, but I know what is the usage) Note the significant increase in usage since the 5/20 period. My air conditioning had a problem in early June, a circuit board went bad and the blower wouldn't run. The repair tech wired the blower to run continuously while waiting a replacement part, which took about six weeks (fixed on 7/21). I expected the bills during that time (for periods ending 6/20 and starting 6/21) to be a little higher than usual due to the blower running, but not that much higher! AFTER the repair, usage increased even more. I even INCREASED my A/C setback period by a couple hrs per day. After some investigation I discovered on 8/29 that the system either had another problem that got missed the first time or had gone wonky again, and one of the HEAT STRIPS was running whenever the blower was OFF. The repair tech said it was stuck on continuously, but I don't think that's the case or usage would have been even higher. It'd run for a few seconds until it overheated (due to there being no airflow) and shut off from the limit switch, then when it cooled to reset the limit switch, it'd come on again for a few seconds. The longer setback period I used for cooling, there was more time during which the system didn't otherwise run which made for MORE time during which the heating element kept cycling on and off....See MoreJust because you pay your bills on time.....
Comments (23)I used to work in a bank; I ran credit reports daily, we looked at people's credit and scored it on our own system to determine their rates of loans etc we used to get two of the score then compute them with ours. Anyway, I learned a lot about credit reports. Here are things that affect your score: 1) too many open accounts. (it's a risk that you'll go off the deep end and start spending wildly or that you could be a victim of fraud) 2) address continually changes. Nobody looks at that but unless you're military, ability for creditors to contact you makes it difficult (part of my job was repossessing cars and also skip tracing people) 3) too many inquires on your credit. It's a red flag to creditors who think you are out to do a lot of stuff and about to become over burdened in debt you can't repay. So don't let every car dealer and dept store see if you're eligible etc for this or that deal. 4) too much credit card debt. What it is, is a balancing act. A good credit report will have say a mortgage, maybe a car and maybe one or two credit cards; if you have too much revolving debt, that's not good. 5) income to credit ratio should be balanced. In other words, if you make 20k a year, you should not have a very large amount of credit open to you (or debt to income ratio either) 6) charge off accounts. If you've not paid something and it goes into charge off status, you can bank on the creditor reopening your case and calling you just before the statute of limitations runs out. I HATE to say this publicly but I'm going to share a secret with you; do NOT pay it. Once you agree to pay back the debt, it goes back to open status and will remain on your credit report, for as long as it takes to pay if plus they can possibly (for a while anyway) see it was a charge off or delinquent. It's far better to NOT start payments again. 7) paying late - really, creditors will not judge you for a payment or two late. It shows up on there but they all know stuff happens. It's chronic lateness that's the problem. It's also 30-90 days overdue. We used to contact people at the 15 day past due mark to remind them and I used to give interest only extensions so they didn't go into 30 day and get reported to the credit bureau. So if you are late and can't pay, call the credit and arrange for interest only extension. You'll pay basically one month's interest extra and extend your loan an extra month. I hope that helps people. Oh and the longer you have credit but don't use it, the better. New credit is bad. And do NOT take out credit cards to save 10-20% one time. They have high interest rates, it's new credit, it's revolving, and it's a new inquiry... ding, ding, ding, ding... all bad....See MoreDo You Use Bill Pay
Comments (9)Below is a link to a similar thread at Household Finances Forum. While I don't use it, I do think there is one 'Con'. One must still remember and take the time to do it. Instead of, and better in my opinion, is completely automatic bill payment being deducted from my checking. I have for years been able to afford the luxury of having and keeping a fairly large checking balance. Some payments are the same each exact amount each month Health Ins premium Homeowners premium Auto insurance Dial up internet Long Distance Minimum payment on the credit card I always use. I then write a check for the balance-but this is my guanantee that the payment will 'never' be late. Then these others are a little different each month. I receive what looks like a bill as usual, but instead of saying what is owed and when, it tells me the amount that will be withdrawn and on what day. Set up on that is Telephone Electric The local rural water company isn't set up to do anything like that. My bill is I get paid once a month (retirement) so about once a month or so, I go through all the bills, and just log and deduct them from checking. I've been doing it for years, and no one has ever made a mistake on any amount withdrawn, or the date. For me, it is just foolproof. Sue Here is a link that might be useful: Pro's and Con's of online banking...See More- 10 years ago
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