Money Tips For Life: Financial wisdom for the average Joe.

Helping you make and save more so that you can enjoy the finer things of life!

Saturday, June 23, 2012

Save $150+ in utility costs by switching to Spark Energy

Are you tired of your rising electricity & natural gas bills?

I was and switched to Spark Energy - a  third party energy provider.  The end result? 12% savings from my regional provider's (PSEG) rate.

Spark Energy is running a special promotion NOW where you can get a $75 Visa Gift Card for switching either your electricity or natural gas service to them.  If you switch both, you will get a $150 Visa Gift Card!

This promotion is not available on their website ( but you can get it by clicking on the above banner ad.

So how does Spark Energy's Service Work?

You will receive a 12-month fixed price for electric generation service measured in cents per kilowatt-hour including sales and use tax (for NJ it's 7%) from the Effective Date through the meter read date 12 months after the Effective Date.  After the 12 month term, you will receive a competitive variable rate for 3 additional months for a total contract length of 15 months.

If you are in NJ and switch from PSEG (like I did), your selected plan will include:
  • A fixed price of 10.19¢ per kWh beginning on your first meter read date after successful enrollYour fixed price reflects a 12% estimated savings off of PSEG's current rate (11.53 ¢ per kWh).
  • A 90-day satisfaction guarantee that gives you the ability to cancel your contract during the 90-day period without an early termination fee.
  • A 3-Month variable monthly price that is reflective of prevailing supply prices.
Helpful Hints

  • No interruption to your service:  Since your service provider stays the same, there is no service interruption. Your local utility will continue to be responsible for delivering electricity to your home.
  • You'll still get one bill from your utility: You will also still receive one bill from your utility. Your bill will appear the same as it has in the past. Your utility will continue to service all equipment—such as your meter—and wires, as well as respond to any power outages.
  • No signup fees from Spark: You will not be charged an enrollment or start-up fee from Spark for entering into an agreement, and will not be charged a termination fee for terminating the agreement at the end of the applicable contract term. If you are switching from your local utility company, they will not charge you for making this change.
  • No additional installation required: Your current utility stays the same so there is no change to anything except the price you are paying for electricity per kilowatt hour.  Once you have signed up for one of our pricing plans, we will take care of contacting your current utility on your behalf. You will receive a notice from your utility confirming your selection of Spark as your electric power supplier.
  • No cancellation fee for the first 90 days: A 90-day satisfaction guarantee gives you the ability to cancel your contract for up to 90-days without a termination fee. If you cancel after 90 days but before the term of your contract is complete, there is a cancellation fee of $150.
I'm sold!  What do I need to sign up?

  1. Get a copy of your local utility's bill.  Locate the PoD ID.
  2. Click on one of the Spark Energy banner ads on this page.  The link will take you to the sign up page.
  3. Follow the 4 step sign up process.  It takes less than 2 minutes.

Tuesday, June 12, 2012

Win $250 Towards Your Summer Fun!

Win $250 Towards Your Summer Fun! 

Credit Sesame wants you to have fun this summer! Don’t worry about raking up those credit card bills, or putting a dent in your savings. Credit Sesame will help you manage your finances, and unlock your credit potential. You’ll get your free credit score month after month, and be able to manage your loans, all in one place.  Set up a free account with Credit Sesame today, and automatically enter to win $250. This is a limited time offer, so get in quick!

What does Credit Sesame do?

Credit Sesame is a free online personal finance tool that gives consumers an easy way to monitor and manage their credit and loans all in one place and save money on debt. It provides consumers with free access to their credit score every month, analysis, advice and tools to take control of their finances, unlock their credit potential and borrow smarter. The greatest perk of Credit Sesame, it’s 100% Free! They don’t require a credit card, and there are no trial periods.

$250 is what you can win by signing up with Credit Sesame. But you can save even more by using them as well!

How to Enter?
  1. Go to Credit Sesame – $250 Summer Giveaway
  2. Create a Free Account (no credit cards required / no trial periods ever)
  3. Automatically enter to win $250! 
This is a sponsored conversation written by MTFL on behalf of Credit Sesame. Contest ends June 22, 2012. A random winner will be selected by June 30, 2012. Official Rules can be found at