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.