 | December 2007
Dear Friend,
Trying to stay warm in the winter without driving up your energy bill can be a difficult task, but not an impossible one. Putting some strategies into place now can help keep your utility bill manageable all season. Some ideas are low-cost - others may take a small investment. But with a little common sense, hard work, and smart purchases, you can stay warm this season without racking up a huge energy bill. In this edition of On Track we'll examine some ideas for managing your winter utility bills to stay within your budget. |
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Keeping Warm in the Winter - Without Spending a Bundle
 In most parts of the country, utility usage rises in the winter months. This isn't surprising since with less daylight and colder weather we spend more time indoors, so the need for heating, water heating, and lighting is greatest during these months. Of course, this also means that the accompanying utility bills rise as well. You can't do anything to change the temperature outside, but with a little bit of planning and effort, you can take steps to keep you comfortable while you're inside without spending a fortune.
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Financial Toolkit
 Legal Access Benefit:
By taking advantage of Member Benefit Services offered through CareOne you are able to get discounts and free items on a variety of legal services. These services are offered by attorneys nationwide and include:- Free initial consultations up to 1/2 hour
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Ask an Expert
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Will it still be possible for me to pay on my accounts with my creditors while on the program, or will I have to always go through the program to pay them off?
- Adam |
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 | | | Hi Adam.
You may increase your payment on the program on a month-to-month basis or if you desire a set increase may also be arranged. All payments should be made through the DMP or the lower interest and other benefits may not apply.
Hope this helps.
Michel.
Financial Fitness Coach | |  |
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| | | CareOne Community | | Connect with others who are tackling their debt! Read about their experiences, ask for expert advice, or share your own tips and insights. | | |  Tip Jar -
Setting Your Thermostat for Winter - During cold, winter months, 36% of your energy bill comes from keeping your house heated. Don't be a heat "hog." Your heating bill will increase by 3% every time you raise your heat by just one degree when you set the thermostat at 71 degrees or higher. That's a lot of money for just a little more heat. The point of this Pointer: To keep your utility bills "cool" and your house "warm", keep your thermostat at a comfortable 69 degrees. | | |  Share the Wealth
See what last month's winner, Joseph T., from Draper, UT does to celebrate the holidays and stay on budget. | | | Tell us what you do to celebrate the holidays and stay on budget and you could be the winner of a $250 gift card. | | |  Straight Talk
People are talking about how they manage utility bills. | |
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