Just be conscious of how many streaming services you stack on top of each other, or you could pay just as much for streaming as you do for cable." "That way you pay maybe $20 to $30 for streaming instead of $100 or more for cable each month. "If you only watch a few networks, a handful of shows, or don't watch live TV, switch from cable to a streaming service or two instead," says Lauren Bringle, accredited financial counselor with Self Financial, a fintech company that helps users build credit and save money. To do this, simply invest in a low-cost Roku Express or similar device and begin streaming programs using your internet. It's surprising that anyone buys cable television anymore from big legacy providers, companies that have a history of price gouging in places where competition is limited.ĭitch the ridiculously steep monthly cable bills from the likes of AT&T and Spectrum and switch instead to on-demand entertainment from such providers as Netflix, Hulu, and more. The changes being advanced by fossil fuel utilities would eliminate the economic viability of solar power for many Californians, especially those with low to moderate incomes, according to Frontier Group. This is particularly true in California, where the state's three investor-owned utilities-Pacific Gas and Electric (PG&E), Southern California Edison (SoCal Edison), and San Diego Gas and Electric (SDG&E)- proposed dramatic changes to the state's net metering program in 2020 that would impose steep mandatory fees on solar customers and slash net metering payments resulting from solar energy systems. Now is the time to educate yourself about solar energy and make the switch, as fossil fuel energy providers and special interest groups across the nation are actively working behind the s cenes to revise the current system and make solar more expensive in the future for homeowners in an effort to discourage the clean energy revolution. "What's more, you can sell the excess energy your solar panels generate through net metering programs, which allows you to earn money instead." "Yes, it's a bit of an upfront investment, but with the sun being a free power source, you're able to power a household mostly out of solar energy in the long run," says Jay Whitacre, chief scientist and founder of Aquion Energy. Going solar is a great way to help save the planet while also saving yourself money each month on energy bills. With climate change causing increasing devastation around the world, it has never been more important to start transitioning to renewable energy sources and weaning ourselves off damaging fossil fuels. "But make sure you work with your agent to understand all the ramifications of making such changes first." "Actual Cash Value is a less expensive option than Replacement Cost," explains Giulianti. In addition, inquire about whether your insurance provider offers a less expensive coverage option for damaged personal property known as Actual Cash Value (ACV), advises Giulianti. "If you have savings put away, consider increasing the deductible on your insurance policy, which will reduce your annual premium." "Check with your homeowner's insurance agent to find out where you might be able to intelligently save money off your premium," says Stacey Giulianti, of Peninsula Insurance. But that doesn't mean you can't call your insurance provider each year and review the various charges associated with your policy to identify opportunities to reduce any unnecessary costs. If you own a home, then having a homeowners insurance policy is a must in order to protect your investment and your personal belongings. To Lower Your Insurance Costs Review Your Home Insurance Policy
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