The Pay As You Save® (PAYS®) system enables utilities to invest in cost effective resource efficiency and renewables on the customer side of the meter and recover all of their costs. Participating customers have money-saving, resource-efficient upgrades installed with no up-front payment and no debt obligation. Those who benefit from the savings pay a tariffed charge on their utility bill, but only for as long as they occupy the location where the upgrades are installed. The monthly charge is always lower than the estimated savings and it remains on the bill for that location until the utility recovers its costs. While PAYS allows for payment over time, it does not involve any consumer loan obligation.