HELP I Can’t Afford My HIGH Utility Bill! What to do to Prevent Them!

I just got an email from a reader that stated “HELP! We just moved to a new house a few months ago and the utility bills are killing us. This month our light bill is $1500! Last month $950! What can I do? Hopefully this will help!

Here are some other options….

What can I do if I get a bill that I can’t afford?

First and foremost – jump on Facebook and look for local groups. Mom groups are the best!

They might be able to point you to immediate help with exorbant utility bills. Most city have them – check out our help with heating bills list! These are programs in each state designed just for this. Definitely worth looking for as your local city may have even better programs!

These are the single best resource for immediately fixing a large utility bill problem.

If you receive a utility bill that you cannot afford, there are several steps you can take to manage the situation:

1. Contact Your Utility Provider: Reach out to your utility company as soon as possible. They may offer payment plans, extensions, or other forms of assistance to help you manage your bill.
2. Request a Payment Plan: Many utility companies offer payment plans that allow you to pay your bill in smaller, more manageable installments over time.
3. Seek Assistance Programs: Look into federal, state, and local assistance programs that can help with utility bills. Programs like the Low Income Home Energy Assistance Program (LIHEAP) can provide financial aid to eligible households.
4. Explore Community Resources: Contact local non-profits, charities, and community organizations. They often have programs to help individuals and families struggling to pay their utility bills.
5. Budget Adjustment: Review your monthly budget to identify areas where you can cut back temporarily to free up funds for your utility bill.
6. Apply for Emergency Aid: Some organizations offer emergency financial assistance for utility bills. Check with local churches, community centers, and social service agencies.
7. Energy Efficiency Measures: Implementing energy-saving measures can help reduce future bills. Simple steps like turning off lights when not in use, unplugging devices, and adjusting your thermostat can make a significant difference.
8. Check for Billing Errors: Review your bill carefully to ensure there are no errors or discrepancies. If you find any, contact your utility provider to resolve them.
9. Negotiate: Sometimes, utility providers are willing to negotiate a lower bill or offer a discount if you explain your financial situation and ask for help.
10. Consider Energy Assistance Loans: Some banks and credit unions offer low-interest loans specifically designed to help pay for energy-related expenses. Last resort but an option if you are truly stuck.

Frequently Asked Questions

What if my utility provider doesn’t offer payment plans?

If your provider doesn’t offer payment plans, seek assistance from local charities, community organizations, or government programs that can provide financial aid for utility bills.

How do I find out if I qualify for assistance programs?

Contact your utility provider, local social services, or visit government websites to learn about eligibility requirements for assistance programs like LIHEAP.

What steps can I take to prevent high utility bills in the future?

Implement energy-saving measures such as using energy-efficient appliances, sealing leaks around windows and doors, using programmable thermostats, and practicing mindful energy use habits.

Can I get my utility service disconnected if I can’t pay my bill?

While it’s possible, many utility companies have policies in place to prevent disconnections, especially if you communicate with them about your financial difficulties. Some areas also have laws that protect against disconnections during extreme weather conditions.

Are there specific programs for seniors or disabled individuals?

Yes, there are often special programs available for seniors and individuals with disabilities. Contact your utility provider or local social services for information on programs tailored to these groups.

Ways to Reduce Your Utility Bills

If you are just looking for some help reducing your bills. Here are some practical tips to help you keep your home cool and your energy costs down during the summer months.

1. Clean Your Fridge Coils: Dirty coils can make your fridge work harder, increasing energy consumption. These coils are usually located under the fridge. If you have pets, it’s especially important to clean them regularly.
2. Maintain Your AC Coils: Both the indoor and outdoor coils of your air conditioner need regular cleaning to function efficiently. Don’t forget to clean the fan (squirrel cage) as well.
3. Upgrade Windows: If you have old, single-pane windows, consider replacing them. For a more budget-friendly option, install blackout shades or use tinfoil-like insulation on windows that receive direct sunlight.
4. Check Exterior Door Seals: Ensure that the weather seals on your exterior doors are intact and not allowing air to escape.
5. Use Ceiling Fans: Keep ceiling fans on to help circulate air and reduce the load on your air conditioner. Additional fans can also help improve air movement.

6. Install a Programmable Thermostat: A programmable thermostat allows you to set specific temperatures for different times of the day, ensuring your AC isn’t running more than necessary.
7. Seal Leaks: Check for leaks around windows, doors, and ductwork. Use caulk or weather stripping to seal any gaps and prevent cool air from escaping.
8. Insulate Your Home: Proper insulation in your attic and walls can significantly reduce cooling costs by keeping the heat out.
9. Use Energy-Efficient Appliances: If your appliances are old, consider replacing them with energy-efficient models. Look for the ENERGY STAR label for the best efficiency.
10. Shade Outdoor AC Unit: Provide shade for your outdoor AC unit without blocking airflow. This can help it run more efficiently.
11. Add Blackout Shades or Curtains: Installing blackout curtains on windows can help block out heat from the sun, keeping your home cooler and reducing the need for air conditioning. Cheap fix to keeping your house cool!

By following these tips, you can make your home more energy-efficient and potentially lower your utility bills during the hot summer months.

Frequently Asked Questions

How often should I clean my fridge coils?

Ideally, you should clean your fridge coils every six months. If you have pets, you may need to do it more frequently to prevent pet hair from accumulating.

What are blackout shades and how do they help?

Blackout shades are window coverings designed to block out light and heat from the sun. They can help keep your home cooler and reduce the need for air conditioning, thus lowering your utility bills.

How can I tell if my exterior door seals are leaking air?

A simple way to check is to hold a lit candle or incense stick near the edges of your doors. If the flame flickers or the smoke moves, you may have a leak. You can also feel for drafts with your hand.

Are programmable thermostats difficult to install?

Most programmable thermostats come with detailed instructions and can be installed by a homeowner. However, if you’re not comfortable with electrical work, you may want to hire a professional.

What type of insulation is best for reducing cooling costs?

The best type of insulation depends on your home and climate. Generally, fiberglass, cellulose, and spray foam are effective options. Consult with an insulation professional to determine the best solution for your needs.

Will shading my outdoor AC unit really make a difference?

Yes, shading your outdoor AC unit can improve its efficiency by keeping it cooler, which can reduce the workload on your system and lower your energy costs. Just make sure not to obstruct airflow around the unit.