Oak and Livy Rentals, LLC

02/14/2026

I learned about Dave Ramsey’s 7 Baby Steps about 3 years ago and feel very fortunate that I did. Without his first 3 steps, I would be one of the 70% of the average Americans living paycheck to paycheck after my job loss last year. Ramsey’s steps seem simple, but I’ve encountered spending awareness with “stuffitis,” and behavioral modification because I couldn’t buy what I wanted—not because I can’t, but because I wanted to move toward financial freedom and build generational wealth. I stumbled across his book today at Barnes & Noble, and it did not disappoint—especially his topics on “Peace Puppies.” Now I want to be able to teach my children to “Work, Spend Wisely, Save, & Give,” because the most powerful legacy you can leave is wise, competent “. — Dave Ramsey.

12/06/2025

It may not seem clear right now or during difficult times, but as your perspectives evolve, things might start fitting together gradually ❤️🙏

11/27/2025

Thanksgiving can be overwhelming. Hosting, cooking, cleaning, different topics, disagreement or agreements. And if we pause, slow it down, enjoy the tiniest things in life can be reminded of our blessings. Happy Thanksgiving 🦃

11/16/2025

With grocery prices on the rise, it may be a good time to look for additional ways to cut costs and adjust your budget. One option is to review your utility bills and explore available assistance programs. Although this specific event has passed, many ongoing programs are still available. It’s best to call your utility provider or visit their website to check current assistance options and see if you qualify. These programs may reduce your bill by 20–50%

Ask PGE about these programs
1. CARE (California Alternate Rates for Energy)-Provides a monthly discount on your gas and electricity bills. 20% discount
2. FERA (Family Electric Rate Assistance)- For households whose income is a little higher than CARE limits. 18% discount
3. REACH (Relief for Energy Assistance through Community Help)-One-time bill credit (up to a certain amount) for customers facing hardship. 
4.Match My Payment Program-Newer PG&E program: they will match your payment toward a past-due bill (up to $1,000). 
5. Arrearage Management Plan (AMP)-Debt forgiveness plan for customers who are on CARE or FERA. If you make 12 on-time payment cycles, eligible debt (up to a certain amount) will be forgiven.
6. Low-Income Home Energy Assistance Program (LIHEAP)Federally funded program. Helps with energy bills (past due, emergencies) and offers weatherization services.
7. Energy Savings Assistance (ESA)Free home energy upgrades (e.g., insulation, more efficient appliances) for income-qualified customers.
8. Medical Baseline Program-For customers who need extra energy due to a qualifying medical condition (e.g., life-support, medical equipment).
9. Payment Arrangement / Budget Billing. Flexible payment plans to spread payments over months. Balanced Payment Plan: average your annual usage so monthly bills are more predictable.

EBMUD Assistance Programs (East Bay, CA) Customer Assistance Program (CAP)-EBMUD offers up to 50% off the standard bimonthly water service charge for qualified low-income residential customers and more!
Note: I have No affiliation with these companies- just sharing resources 😊

11/13/2025

With so many people losing jobs and the cost of groceries rising, it feels like no one can catch a break these days. Finances have become the number one source of stress for so many of us. I’ve seen firsthand how finding utility assistance can really make a difference for my patients. Even a little bit of help on their bills can ease the burden and free up money for other basic needs like food, medicine, or rent. Every bit of support truly matters.

11/12/2025

This is Lulah Marie- my mix German Shepherd/Heeler. I call her my super power miracle dog. She does wonders to my mental health. How? Pet dogs can…
🧠1. Reduce Stress & Anxiety Physical contact (like petting a dog or cat) releases oxytocin, a hormone that lowers stress and promotes relaxation.
😊 2. Boost Mood and Happiness-Spending time with pets increases serotonin and dopamine, neurotransmitters that make you feel happy and calm.
Their playful, loving behavior often brings joy, laughter, and comfort, especially during tough times.
❤️ 3. Provide Companionship-Pets offer unconditional love and loyalty, which helps fight loneliness and isolation. For people who live alone, a pet can be a constant, comforting presence.
🏃‍♀️ 4. Encourage Routine and Physical Activity-Dogs, in particular, need walks — this gives owners a reason to get outside, exercise, and enjoy fresh air. Having a routine for feeding, walking, or playing with a pet brings structure and purpose to daily life.
👥 5. Improve Social Connections-Walking a dog or visiting pet parks helps people meet and connect with others. Pet ownership can lead to shared community with other pet owners, which strengthens social bonds.
💭 6. Offer Emotional Support-Pets can sense your mood and often respond with comfort — just being near them can reduce feelings of depression or emotional distress. Many therapy animals are trained specifically to assist people with PTSD, anxiety, or other mental health conditions.
🌱 7. Build Responsibility and Self-Esteem: Caring for another living being can enhance self-worth and create a sense of accomplishment. For children or those in recovery, pet care can teach empathy, patience, and accountability.

11/09/2025

With SNAP delayed/reduced this month, here are some food resources in Alameda County.

10/03/2025

1% seems small and that’s okay. It’s small enough to make it achievable. Whatever you’re going through, make tomorrow 1% better than today. You got this 😊

05/12/2024

02/20/2024

06/02/2022

Elephant towel! Too cute!