As part of the IDA program, I was required to take 12 hours of financial literacy classes, which I attended over the past two Saturdays, and while the course work was very, very basic (how to open a bank account, how to write a check, etc.) I’m glad I went. The frugal tips and local resources from other participants made the time worthwhile, and I connected with one participant who wants to barter services. She’s a massage therapist using the program for her small business. That will make a great birthday present for Mr.Penny.
The best tip I learned was that there is a dental school in San Francisco that offers great dental care for a fraction of the price of our current dentist. Since we’re giving up our dental insurance with our health insurance, this was a fantastic resource for me.
I also learned about a program called Ways to Work, which helps low income parents get low interest car loans. I wish I’d known about this program in November, when we bought our new-to-us car!
Another program I was excited to find out about is the PG&E insulation rebate. They will rebate up to $150 for attic insulation and $500 for wall insulation. Our attic is in need of replaced insulation, so that rebate will come in handy for us! There are also tax credits for up to 30% of insulation. It’s definitely the time to do it, and as an added advantage, our gas bill will be lower.