A time-of-use tariff charges different electricity rates at different times, usually with higher peak prices, lower shoulder prices and the cheapest off-peak periods. On the Central Coast, the available times and rates depend on your electricity retailer, distributor, meter and plan, so check your bill or ask the retailer for its current schedule. You generally need a suitable smart meter, and moving usage such as washing or dishwashing to cheaper periods may help if the savings outweigh the peak rates. Compare the plan’s estimated annual cost and terms, rather than relying on the tariff names alone.