[rebelchai]

It doesn't look like switching to gas would save money. It looks like I would pay a very similar amount of money out to the gas company AND the electric company.

For the most part the advice of only buying what you can pay for is solid. We only go to the store once a week and pay with cash. The bit that troubles me is that, for example, my husband and I pay more for car insurance because we have never taken a loan on a car. In order to have good credit, you need to have debt. As long as you're sure you will NEVER EVER need a loan for anything and you can pay for a house out of your bank account. Go for it.

Thank you very much for the "Phantom Electricity" WSJ reference. I will look it up.