Now wait for the Electrical Companies to change the reset month to Nov. Then you have to pay Nov, Dec, Jan bill and get credits for summer months. Only for them to get reset again in Nov. An MBA will be made partner for this suggestion.
Depends on the company. PNM (Northern New Mexico) doesn't ever reset unless you opt to get paid cash. If you decline that, you get a (so far) endlessly available energy credit, with which you get 1 free kWh for every banked kWh, so it is a much better deal than the cash paybacks, at least if your use exceeds your generating capacity for part of the year