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2/23/2018 0 Comments

MoneySmartLife.org Truisms

Truism is a proposition that states nothing beyond what is implied by any of its terms

MoneySmartLife.org Money Truisms for 2018.

Truisms are obvious. And often unsaid because they are assumed to be so obvious.

Estate Planning 101

Randi and Mansa look at estate plan basics and what happens to your stuff when you die.

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2/19/2018 0 Comments

Estate Planning and Kids

Randi and Mansa take look at estate planning for everyone, even the "broke."

Uncovers some truths about the risk of not having one with kids.

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2/17/2018 0 Comments

Famous Folk who Died without a Plan

Randi and Mansa look at a list of famous people that death seemingly caught unprepared. You know their financial advisors pleaded with them to have a plan in place. It was always put off until.... Too late.

The issue is more than money but rather your behavior regarding facing your own death and the results thereof. It's not if; but when.

Act accordingly regarding your estate plan. Listen to another entertaining episode of Money Smart Lifestyle Moments

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2/5/2018 0 Comments

How to Save on Electricity with DTE and Consumers by Simply Asking

Photo by Natalia Y on Unsplash

Electricity is essential to modern life. For most people the electricity in our homes is not free. Reducing its costs, even incrementally, can save real money over the long term.

Here are some discounts our local utilities offer that most people can benefit from with small painless changes in routine. You must request the discounts be applied to your account.

Time of Day Rate
You could reduce your energy costs by requesting DTE Energy’s residential Time-Of-Day Electric Rate. The more you shift your electricity usage to off-peak hours — early mornings, evenings and weekends — the more you could save.
How It Works
This rate is available to residential customers who choose to have their energy usage metered based on our on and off-peak hours.

On-peak hours: 11 a.m. to 7 p.m. Monday through Friday.
Off-peak hours: 7 p.m. to 11 a.m. Monday through Friday, and all day Saturday and Sunday.

Senior Citizen Credit

As of December 17, 2015, DTE Electric customers age 65 and over that are designated as head of household are eligible for a $3.75 monthly credit under the Residential Electric Service Rate.
There is no kWh usage requirement to qualify.
The senior credit means a savings of $45.00 per year.

Rates that require a separate meter

Cool Currents
Water Heater Service rate
Plug in Electric Vehicle rate
Outdoor protective lighting rate
Dynamic Peak Pricing rates

Here are the links to more information on these and other available discounts from DTE Energy and Consumers. Get yours today. They are just a phone call away.

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Author

Mansa Musa is a homeownership counselor and homebuyer educator. He is currently the Principal at MoneySmartLife.org. He blogs and speaks on subjects of financial well-being and financial capability. Helping working class families live a sustainable MoneySmartLife through pragmatic solutions and behavior changes.

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MoneySmartLife.org Truisms

Estate Planning 101

Estate Planning and Kids

Famous Folk who Died without a Plan

How to Save on Electricity with DTE and Consumers by Simply Asking

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