Utility Bill Là Gì

Miriam Caldwell has been writing about budgeting and personal finance basics since 2005. She teaches writing as an online instructor with Brigyêu thích Young University-Idaho.

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Peggy James is a CPA with 8 years of experience in corporate accounting and finance who currently works at a private university, và prior lớn her accounting career, she spent 18 years in newspaper advertising. She is also a freelance writer và business consultant.

If you"ve ever had your budget busted by a larger-than-normal utility bill, then you may want to lớn consider budgeting billing.


Budget billing means your utility company (like the power or gas company) will offer you a phối amount due each month for a certain utility. To determine this amount, the company will add up the amount you spend last year on that particular utility, then divide that number by 12, assuming that your usage will generally stay the same.


While budget billing may seem khổng lồ be a great idea to lớn help you with your budget, carefully consider several things before you sign up.


Find Out What Happens If the Company Estimates Incorrectly

Take a look at whether or not you will be charged extra if you use more power than they planned. Usually, this overage amount will be due at the over of the year without any notice. So, if you vì chưng decide lớn sign up for budget billing, kiểm tra to lớn see if you"ll owe money if you go over. If the answer is yes, be sure khổng lồ phối aside some extra money in December to lớn cover it.


Alternately, ask what happens if you kết thúc up using less electriđô thị, gas, etc. than the company estimated. Will you be reimbursed, or will that overage be applied lớn next year"s billing cycle? Either way, it"s good lớn know what your agreement says before signing up for a budget billing plan.

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Look at the Monthly Fees

Examine all administration fees associated with the service. Many will charge a monthly fee. The fees can vary from company khổng lồ company, but anything more than $2-3/month is likely too much. Keep in mind that all the company is doing is giving you an average monthly payment. They likely aren"t saving you any money & is not something that should require a high monthly fee.


Many people will sign up for budget billing over the phone, but it"s important lớn not verbally agree khổng lồ budget billing without first seeing the terms in writing. You can tell the customer service representative sầu that you need lớn talk it over with your partner và ask them to lớn skết thúc you a copy of the terms & conditions and that you will Điện thoại tư vấn baông xã if you choose lớn sign up for it. The company can mail or email youthe information & it will give sầu you more time to lớn make the right decision instead of being pressured inlớn it over the phone.


Carefully Read Your Contract

Consider the contract that you are signing. When you vì chưng this you are signing up for at least a year. There may be complications if you have sầu to move sầu. You should look carefully at the expectations on this.


For example, you may need to lớn pay extra if you move sầu or if you have used more power than you have sầu already paid for. If this is the case, you may need to lớn mix extra money aside or dip inkhổng lồ your emergency fund khổng lồ cover the difference.


Create Your Own Budget Billing System

Think about doing this yourself, without the charge, the contract, và the hassle. You can even budget the amount they suggested. Then roll over the additional amount from the lower months to cover the months where you use more power. This will help you to budget without spending money on administration fees. You can vị this with any category where the amount you spover each month fluctuates. Either divide the amount you spent over the last year by 12 or budget the highest amount you spent last year for each month & then put the extra money inlớn savings or towards your debt payment plan.


Make Your Decision Carefully and Monitor Your Bill

As with any contract, it"s important that you fully understand what you are signing up for. There are advantages to knowing exactly what you will be paying each month, so it may be worth the added expense.


If you vì sign up for budget billing, you may be tempted to lớn simply pay your bill each month & stop worrying about it altogether. However, you could still be hit with a large bill at the end of the year. That"s why need to monitor your power usage throughout the year to lớn make sure that you are within your the estimated power usage, especially as you begin lớn reach the over of your contract. And if you are worried about the cost of your utility bills, you can work lớn lower them, lượt thích preparing your trang chủ for winter.