Guides / Insurance and utilities
Budget billing and utility assistance
Smooth out seasonal bills and find help if you're behind.
Winter heating and summer cooling can double a utility bill. Most utilities offer ways to even it out, and help exists if you fall behind.
Budget billing
Many utilities offer a plan that averages your yearly bill into equal monthly payments. You pay the same overall, with fewer shocks. Expect an adjustment once a year.
If you're behind
- Call the utility before a shutoff notice and ask about payment arrangements
- Ask about hardship or low-income discount programs
- Check the Low Income Home Energy Assistance Program (LIHEAP) through your state or local agency
- Dial 211 to find local assistance
General consumer information. Prices and plans change; check current terms before switching. Stretching Money Today isn't paid by any provider mentioned here.