A computerized system and method for providing cost savings for utility
users is shown and which includes defining a database in a host computer;
storing in the database variable business information from a plurality of
goods and services providers; receiving into the host computer goods and
services related consumption information and determining an optimal
business expense from the variable business expense information to
provide cost savings for the customer; processing the optimal business
expense information, and goods and services consumption information to
provide usage-based computer viewable data which is associated with a
consumer's consumption of the goods and services; and providing the
customer with computer access to the computer viewable data and wherein
the customer can view the computer viewable data, from a location remote
to the host computer.