This is an interest-free plan designed to spread your heating costs over a 12 month period. We estimate what it will cost to heat your house for the winter: for example, say $3,000. Divide that by 12 equal payments and your budget is $250 per month from September to August. If you have a debit at the end of the 12 month period, you pay it in August. If you have a credit, we reimburse you or you can carry the credit balance forward to next winter.