How can you get home energy efficiency improvements that make your home more comfortable and healthy, and save money on your electric bill with no up-front costs, loans or debt? (http://appvoices.org/energysavings/ob…) It’s called Pay As You Save®, an on-bill financing model you can ask your electric utility or cooperative about today. Rural co-ops are leaders on this program. And it’s for renters too, as well as homeowners. Video from Appalachian Voices.