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I've been thinking a lot about more ways to save since starting the "31 Days of Nothing" Challenge. One that I thought I'd already conquered was the Electric Bill. Credit Last December & January, our bill was over $500/month (eek! $1,000 out the window). After that happened, we started taking the normal measures to cut back on our usage. We turned down the thermostat to 65 degrees during the day and 67 degrees at night. We were more careful about turning off lights that we didn't need to have on. We burned more firewood to supplement the furnace. We decreased our electrical usage from 3438 Kilowatt Hours to 1672 Kilowatt Hours, translating into a $300/month savings. During the summer, I kept the thermostat at 80 during the day and 74 at night. On days that weren't so humid, and especially in the spring and fall, I simply turned off the thermostat altogether and opened the windows! Before it began to cool down outside, I shut the windows and trapped in the heat for the night. For instance, the month of May was so nice last year that we only used 860 Kilowatt Hours. Credit The other day, I pulled out my electric bill and I took a good look at it. Did you know that there are three different rates you pay for the same exact electricity? They are categorized as Peak, Intermediate-Peak, and Off-Peak hours of use. Curious, I called my electric company and they were kind enough to give me the different hours/rates for my area*: Peak Usage (0.086/kwh) - Monday-Friday, 12:00 Noon - 8:00PM Intermediate Peak Usage (0.083/kwh) - Monday - Friday, 8:00 AM - 12:00 Noon, 8:00 PM - 12:00 Midnight Off-Peak Usage (0.079/kwh) - Monday-Friday, 12:00 Midnight - 8:00 AM, Weekends & Holidays *Peak hours/rates may be different in your area, so give your provider a call to verify. Credit This got me to thinking - could I save even more on my loads of laundry/dishes/hot water/baking simply by changing the time of day I do them? Only one way to find out - try it! Here's my 10 Point Plan to Save on Electricity: 1. Take all showers before 8:00 AM 2. Do the laundry before 8:00 AM or on the Weekend 3. Run the dishwasher when I wake up at 6:30 AM instead of after dinner at 6:00 PM 4. Do any baking/freezer cooking on the Weekends 5. Keep all upstairs doors shut - the heat just flies out of those rooms. 6. Turn off any lights/appliances when not in use, especially the TV! 7. After 4:00 PM, use the fireplace to supplement the furnace. Turn on the air circulator/fans to spread the warm air through the house. 8. Turn the thermostat to 65 between 7:00 AM and 5:00 PM, wear extra sweater/slippers inside. 9. Turn the thermostat to 67 between 5:00 PM and 7:00 AM, put flannel sheets & extra blankets on beds. 10. Open the drapes at first light and shut them at sundown. **I'll follow up this post in a month to see if there was any savings!** Meantime, please share some of YOUR ideas, no matter how stingy they seem, to save money on electricity. The more comments, the better! Linking Up at Tip Junkie, Today's Creative Blog, The Frugal Girls, Funky Junk Interiors and these other Great Parties!

This post is in partnership with Lexington Law, thank you for supporting brands who support TCM. As always, all thoughts, opinions, experience, and advice is my own. Today’s post is extra special! It's a vlog presented by Lexington Law, my favorite credit repair professionals and I'm sharing my top tips for talking with your significant other about … How To Talk About Finances With Your Significant Other Read More »

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You may be asking yourself, "Is it better to pay off debt or save money?" and that's quite a common question I receive as a financial educator. If you’re in debt, saving money shouldn’t be optional because, in the event of an emergency, the last thing you want to do is go further

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