revolving energy fund

City of Fresno Buttons Me Up


*Editors Note: this post ran on a personal blog in October 2011.  The Home Energy Tune Up program is in a ramp down period for the remainder of 2012 but will return in full-force in 2013 through funding from Pacific Gas & Electric Company, the California Public Utilities Commission and California Rate Payers.  To track the status of this program you can check in here on our blog and at the City of Fresno website.  Now, on to the home-shaming. 

I carry an albatross of inefficiency.

My home was built in 1977 and for 33 years sat untouched by the hands of my husband's grandmother. To her credit, she did install shutters on the eastern facing windows, but I'm fairly certain that was more aesthetic than for cooling purposes.

Looking pretty and leaking $
Upon moving in our first priority was making the house livable--and for us that meant replacing every square of plaid linoleum and fiber of "goldenrod" carpet and drapery. We wanted our home to look pretty, and paid little attention to running pretty. The very little credit we deserve is that we installed ceiling fans in every room and replaced all our lighting with cfl bulbs, inside and out. That was it.

Now, as one who is compensated for evangelizing energy efficiency you would expect that my own home's efficiency was a top priority. Especially given that our monthly electric and gas bill exceeded our mortgage costs six months out of the year. It wasn't until this spring that we even started thinking about "buttoning up the house"

California, despite the boondoggle of a PACE program, has introduced some rather enticing mechanisms to incentivize homeowners to make efficiency upgrades to their home. After sitting through no less than 17 presentations on Energy Upgrade California/Residential Retrofit/Weatherization I decided that our home was ready for a makeover!

My husband immediately wanted solar. However, I knew we would be paying an arm and a leg for an over-sized solar array if we didn't get the house tuned up first. And, like we say to every city manager and public works director up and down the Valley--solar isn't worth a penny until you address your inefficiency first.

Now, here is where I profess I have a work-crush on Steven Chu. Yup, that's right Secretary of Energy Steven Chu. Mostly because he isn't afraid to speak out about gas prices, touts efficiency as a saving grace, and because he can tie-in energy storage with the latest Harry Potter release. I also really respect his personal efforts to make his home a pinnacle of energy savings. Secretary Chu has insulated, sealed and gone tankless; resulting in big time savings. So, I figured if the Secretary of Energy of the United States can take the time to insulate his pipes, the least I can do is pay someone to do it for me!

And so it began. I made my own list of "to-do's":
  1. insulate the attic and lee walls 
  2. duct inspection and sealing 
  3. AC tune-up 
  4. Insulate hot water heater  Replace hot water heater with tankless hot water heater
  5. solar shade on transom windows
In a chicken/egg scenario I can't say whether I made my list because I wanted to be more efficient or because the City of Fresno was launching a "Home Energy Tune-Up" program, free to homeowners (disclaimer: my Organization is was a sub-sub-contractor to the City on this project.  We assist in outreach to local governments.).  Likely, a little of both.  

Regardless of professional involvement, the steps of the program are so incredibly simple! 
  1. Schedule a free home energy survey by calling (855) 621-3733 or filling out an online form
  2. Be home during a 3-4 hour walk-thru survey to determine where energy is wasted
  3. Receive a detailed report from your  inspector with no-cost and low-cost ideas to improvement
There is even assistance for accessing rebates and incentives, as well as financing option for advanced upgrades.  

Our survey was completed on a Friday morning by Nathaniel Zayas of AmeriSpec, and took a little longer than four hours, but mostly because I asked him a zillion questions at every step, and because he was being assisted by this guy:
Dutch, our St. Bernard and Assistant Inspector
To my great surprise, our house wasn't in as bad shape as I thought it was.  The average home inspected has a 20% duct leakage.  After the blower test, it turned out that ours were leaking less than 10%. Our AC, as it turns out, is functioning better than expected given that it is original to the home.  We're pretty diligent about having it checked, but who's to say what Grandma did all those years so that was indeed a nice surprise.  The unit is way too big, but in all honesty that's something that I'm willing to pay extra because come July and that 20 day streak above 100 degrees I'll be glad for the chill.  

The real offenders are the furnace, the hot water heater, and the windows. 

Because we're not opting into the Energy Upgrade California program (although EUCA is awesome and if you're considering major efficiency improvements I strongly recommend you look into it) we'll be paying for each improvement upfront, in full.   With those financial realities I set up something SJVCEO recommended to local governments as gospel--a revolving energy loan fund.  Here's how it works: 
  • you have an upfront amount of money that you decide you're willing to spend on upgrades.  In our case that was $1,000.  
  • Next, you determine your project, and what your rebate is and what you can expect for a payback on the investment.  For us, we wanted to do insulation first.  One, the whole house and lee walls could be insulted within our budget.  Two, we had Z-E-R-O insulation in our home and it gets cold...and hot.  PG&E was offering a $300 rebate on the work, so in the end our cost was $900.  Pre-insulation our combined electric and gas bill on an average month was $400.  The insulation saves approximately 10% each month, so the payback would be about 18 months.  We liked that. 
  • Once you know your project, do it.  In our case we went with Masterguard Insulation and Windows and they were fantastic.  Quick, clean, and considerate.  I'm not sure Dutch got to help out, but he seems pretty happy with the end product.  In the months of post-insulation bills the project is actually saving an average of 18% per month!  That means the project paid itself off in five and a half months!  
  • Finally, take your rebate and the money you've saved on utility bills and reinvest in your next project! Ours is probably going to be a tankless hot water heater.  I expect it will be another $1,000 project with the product and installation 
  • Repeat as necessary until you've got your home buttoned up and running smooth! 
Have I loosened that albatross? Not quite; I still have a ways to go before I can feel like our home is pinnacle of efficiency, but at least I no longer feel like there's a dirty secret I'm hiding!  The truth is, energy upgrading your home is no different than any other DIY/home improvement project: it just takes time and commitment to making a better quality of living for you and your family...our your Saint Bernard. 

photo credits: all photos property of Courtney Kalashian

Wellness Wednesday: Financial Health and Energy Efficiency


All my life I have known there is a ‘bigger picture’ when it comes to total wellness. Not only are we nourished by the foods we eat by also by our experiences in our daily lives. According to Wikipedia (gotta love a Google search), ‘holistic health is a concept in medical practice upholding that all aspects of people’s needs, psychological, physical and social should be taken into account and seen as a whole’. I believe that good health comes from a balance of nutrition and lifestyle factors and even takes into account financial health. Most people at one time in their lives have probably been affected by poor financial health. Maybe it was when mom and dad finally cut you off or the time when you were let go from your job; either way, it is amazing how much of a negative toll it can have on your physical health. Just as smart nutrition choices lead to a long and healthy life, good financial investments can also help you reap the rewards down the road.

You may remember my electric lawnmower post
from a few weeks back in which I announced one, that I am (finally) engaged and two, that my fiancé and I bought a house. Talk about stressful finances! In reality, the home purchase was a wise investment. Our apartment rent was costing more than what our mortgage payments will be and we finally get to have a say in what will make our house a home (backyard vegetable garden, composter, bocce ball court, and painted walls oh my!). While I can’t wait to check off my project list, I do recognize that this home is ours and will be ours for a very long time if not forever. A lifetime of projects: my dreams and nightmares all rolled into one. Whenever I find myself in a situation in which my pulse begins to race and I can’t seem to shut my mind off at the end of the day, I like to ask myself ‘what would you tell your health coaching clients?’

#slowdownjustbreathe.

One thing at a time and when it comes to wise home investments I have learned in my time at SJVCEO that energy efficiency is that first baby step that will set me up for a lifetime of financial health.

Just like that electric lawnmower, there are other ‘low hanging’ options I can make that will have a big impact on my wallet. First up we will be purchasing a clothes washer and dryer. Next will be a new oven, range, microwave, and then refrigerator – trust me, there will be large gaps of time in between purchases. I am sure you are thinking dollar signs and really, so am I; however, PG&E, my local service provider, offers rebates on many of these items when you purchase qualifying appliances. Sure a couple hundred dollars in savings doesn’t sound like a lot but when I know that these new, smarter, energy efficient appliances will save me in the long run on my utility bills I know that it is worth the investment. And, if I can control my spending habits and use those couple hundred incentive/rebate dollars as my own personal revolving energy fund I can do other projects such as weatherization that will continue to help put money back into my pocket all the while making our home energy efficient and better for the environment.  

Just as I think organic fruits and veggies are an investment in my long-term health and well-being so are these appliances when it comes to the health of our environment (and my wallet). Spend money upfront (qualifying appliances), save money down the road (cheaper utility bills), and know that you have done your small part in saving energy and reducing your carbon footprint.

--Maureen Hoff

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