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All Borrowing Credit Debt Financial Capability Financial Well Being First Time Home Buyer Protecting Spending Taxes

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.
More Blog Posts and Videos
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2/20/2018 0 Comments

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

PicturePhoto 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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    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 and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction. 
  • The views, thoughts, and opinions expressed belong solely to the author, and not necessarily to the author’s employer, organization, committee or other group or individual; either in the past or future. 
  • This site contains copyrighted material the use of which has not always been specifically authorized by the copyright owner.” MoneySmartLife.org states that they’re using this material as part of their “efforts to advance understanding of issues of “financial well-being” and that they believe that this constitutes a “fair use” of the material in accordance with title 17 U.S.C. Section 107. ​