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My parents always told me to always pay first for a roof over my head, utilities of water to drink, electric to see and everything else comes next. This way if your flat broke at least you have a roof over your head a warm or cool place to sleep. This advice is not for everyone but since I have left the nest I can live without cabel or live without a phone or even take public transportation cause I had no car, but I have never been without shelter or warmth. 
 
 

Each year I try to baby step my utilities to make it cost less. We are hoping to save enough money to get electric out to the old pump then get the old pump working for water from the well. This will save us tons on the water bill. Here are some tips  from U.S. Department of Energy's below also just remember take on thing at a time when you have the money and you will see the difference each month as you accomplish it.

 


Heating  & Cooling Tips

• Set your thermostat as low as is comfortable.

• Clean or replace filters on furnaces once a month or as needed.

• Clean warm-air registers, baseboard heaters, and radiators as needed; make sure they're not blocked by furniture, carpeting, or drapes.

• Bleed trapped air from hot-water radiators once or twice a season; if in doubt about how to perform this task, call a professional.

• Place heat-resistant radiator reflectors between exterior walls and the radiators.

• Use kitchen, bath, and other ventilating fans wisely; in just 1 hour, these fans can pull out a houseful of warmed or cooled air. Turn fans off as soon as they have done the job.

• Keep draperies and shades open on south-facing windows during the heating season to allow sunlight to enter your home; close them at night to reduce the chill you may feel from cold windows.

• Close an unoccupied room that is isolated from the rest of the house, such as in a corner, and turn down the thermostat or turn off the heating for that room or zone. However, do not turn the heating off if it adversely affects the rest of your system. For example, if you heat your house with a heat pump, do not close the vents – closing the vents could harm the heat pump.

• Select energy-efficient equipment when you buy new heating equipment. Your contractor should be able to give you energy fact sheets for different types, models, and designs to help you compare energy usage. Look for the ENERGY STAR® label. The ENERGY STAR® is a program of the U.S. Department of Energy (DOE) and the Environmental Protection Agency (EPA) designed to help consumers identify energy-efficient appliances and products.

 Windows:

Cold-Climate Window Tips

• Install exterior or interior storm windows; storm windows can reduce your heat loss through the windows by 25% to 50%. Storm windows should have weatherstripping at all moveable joints; be made of strong, durable materials; and have interlocking or overlapping joints. Low-e storm windows save even more energy.

• Repair and weatherize your current storm windows, if necessary.

• Install tight-fitting, insulating window shades on windows that feel drafty after weatherizing.

• Close your curtains and shades at night; open them during the day.

• Keep windows on the south side of your house clean to maximize solar gain

Warm-Climate Window Tips

• Install white window shades, drapes, or blinds to reflect heat away from the house.

• Close curtains on south- and west-facing windows.

• Install awnings on south- and west-facing windows.

• Apply sun-control or other reflective films on south-facing windows to reduce solar gain.

Lightening

Indoor Lighting Tips

• Turn off the lights in any room you're not using, or consider installing timers, photo cells, or occupancy sensors to reduce the amount of time your lights are on.

• Use task lighting; instead of brightly lighting an entire room, focus the light where you need it. For example, use fluorescent under-cabinet lighting for kitchen sinks and countertops under cabinets.

• Consider three-way lamps; they make it easier to keep lighting levels low when brighter light is not necessary.

• Use 4-foot fluorescent fixtures with reflective backing and electronic ballasts for your workroom, garage, and laundry areas.

• Consider using 4-watt mini-fluorescent or electro-luminescent night lights. Both lights are much more efficient than their incandescent counterparts. The luminescent lights are cool to the touch.

Outdoor Lighting Tips

• Use outdoor lights with a photocell unit or a timer so they will turn off during the day.

• Turn off decorative outdoor gas lamps; just eight gas lamps burning year round use as much natural gas as it takes to heat an average-size home during an entire winter.

• Exterior lighting is one of the best places to use CFLs because of their long life. If you live in a cold climate, be sure to buy a lamp with a cold-weather ballast.

Insulation Tips

Insulation Tips

• Consider factors such as your climate, building design, and budget when selecting insulation R-value for your home.

• Use higher density insulation, such as rigid foam boards, in cathedral ceilings and on exterior walls.

• Ventilation plays a large role in providing moisture control and reducing summer cooling bills. Install attic vents to help make sure that there is one inch of ventilation space between the insulation and roof shingles. Attic vents can be installed along the entire ceiling cavity to help ensure proper airflow from the soffit to the attic, helping to make a home more comfortable and energy efficient.

• Do not block vents with insulation, and keep insulation at least 3 inches away from recessed lighting fixtures or other heat-producing equipment unless it is marked "I.C." – designed for direct insulation contact.

• As specified on the product packaging, follow the product instructions on installation and wear the proper protective gear when installing insulation.

The easiest and most cost-effective way to insulate your home is to add insulation in the attic. To find out if you have enough attic insulation, measure the thickness of insulation. If there is less than R-19 (6 inches of fiber glass or rock wool or 5 inches of cellulose) you could probably benefit by adding more. Most U.S. homes should have between R-19 and R-49 insulation in the attic.

If your attic has ample insulation and your home still feels drafty and cold in the winter or too warm in the summer, chances are you need to add insulation to the exterior walls as well. This is a more expensive measure that usually requires a contractor, but it may be worth the cost if you live in a very hot or cold climate.

 
Other ideas-I've had this for years not sure where I got this from but hope it still works.
 
Contact your local energy company. Although it may seem it would be in the company’s best interests to keep your bill high, most energy companies in fact offer programs designed to save energy, reduce pollution and help keep your energy bills low. Many companies offer a free “energy assessment,” sending a representative to your home to evaluate your energy usage and offer energy-saving ideas and suggestions. Some even offer energy-saving products, such as low-flow showerheads, for free or at a reduced cost through the program.

Perform your own energy assessment using a pad and pencil. Go through each room in your home and note the energy consumption in that room. For example, your living room uses lamps, an overhead light, heater and/or air-conditioning unit, television, VCR and stereo system. Be sure to include small energy users, such as humidifiers or clock radios, and don’t forget not-so-obvious rooms like the garage or basement.

Brainstorm ideas for reducing energy consumption in each room. Replacing light bulbs (except in reading lamps) with lower wattage bulbs can present a significant savings. Replacing regular windows with storm windows in the wintertime yields substantial long-term savings; adding weather-stripping to doorjambs can help trap in heat in cooler weather. To further cut down on heating bills, keep heat turned down when no one is at home and at night. It takes only a few minutes to heat a room, and the savings can run as much as 30% off your energy bill.

Appliances:

Consider replacing very old appliances, such as refrigerators. Newer appliances offer energy-saving features that will more than make up the initial investment.

If replacing again appliances isn’t an option, or the appliance isn’t old enough to be replaced, try cleaning the appliance thoroughly and replacing any worn parts. Cleaning the coils on the back of the refrigerator, for example, allows air to circulate more freely and helps the refrigerator maintain an even temperature. Defrost refrigerators and freezers regularly, as a layer of frost works as an insulator, forcing the appliance to work harder to maintain the proper temperature.

Always load the dishwasher fully and properly, and turn of the “heat dry” feature. Allowing dishes to air-dry (crack the door for about 30 minutes) or hand-drying the dishes as you put them away can save a significant amount of the energy used to heat the dishes dry. If you do need to wash a smaller load, take advantage of the “Light Wash” cycle present on most dishwashers.

Laundry Room/Basement/Utility Room/Garage

Remember that hotter isn’t always better. You can was all but your most soiled colors in cold water; for heavily soiled colors, use warm water instead of hot. Most whites can be washed in warm or cold cycles, as well. Avoid small loads, even if the washer has a small setting. Conversely, avoid overfilling the washer, as clothes won’t be thoroughly cleaned and may require a second, water-wasting washing.

Line-dry clothes whenever possible – not only does this save energy, but your clothes will last longer. A quick five-minute tumble in the dryer with a quarter fabric softener sheet will leave your clothes soft and fresh smelling. To help clothes dry more quickly in the dryer, toss in a few dry hand towels – they “soak up” the extra moisture and can substantially decrease drying time.

Your hot water heater may represent a hidden treasure chest of savings. Purchase and install a timer, which turns the heater on and off at preset times, according to your family’s hot-water needs. Reducing the temperature of the water heater to 150 degrees (don’t go below this temperature, as your clothes and dishes won’t be adequately cleaned) saves energy and reduces the risk of children being scalded.

In the Bathroom

Install a low-flow showerhead – the latest generation offers more pressure and better flow than their previous trickling versions. Consider replacing your toilet with one of the new water-saving toilets, or fill an empty bleach bottle half full of water and place in the tank, away from the from the flushing mechanism, to keep the water level down.

Using these tips and other suggestions from your utility company, you can cut your energy bill by as much as 40%. Depending on where you live and how much energy you use, that 40% savings could mean a winter vacation – just don’t forget to turn the heaters off when you leave!

The increased cost of winter heating fuel have many people dreading the onset of colder weather. There are several things that can be done around the house to lessen the impact of winter on your family's budget. Follow these suggestions and save money this winter.

1. Is it time to change the thermostat? If it is, check out the thermostats that allow you to program them so that you can lower the heat when you leave the house and raise it before you get home. These thermostats save money and pay for themselves quickly in cost

2. Consider replacing your windows. If it's time, you can save money by installing double-paned windows--which actually help to insulate your home.

3.Check the filters in your heating system. Change dirty filters to get the maximum performance from your heating unit.

4. Check your heating vents. Make sure that they are not blocked by couches or other items. Why heat the bottom of a chair?

5.Keep heat generating items such as lamps, computer monitors, and televisions away from your thermostat. They will affect the proper operation of your heating system.

6. Install ceiling fans. Hot air rises--ceiling fans can help to circulate the heat evenly through the room. There is also the added bonus of cooling your home in the summer months.

7. Before you buy heating oil, do some checking in your area with other dealers so that you get the lowest price per gallon. When oil is delivered, check the fuel gauge before and after delivery to ensure that you are getting what you pay for.

8. Place weather stripping on windows and doors to keep the cold air out. Repair broken windows and make sure that window locks are opeartional so that when closed, the windows seal.

9. Install insulated draperies on windows for the winter months. These keep cold air out and reduce heating costs.

10. Wear a sweater--it will keep you warm and it will keep you from raising the thermostat--you will save fuel and money.


 Links:
 
For more Frugal ideas look under the Frugal link page above.
 
About.com has great articles on saving on utilities annoying popups but worth it. http://frugalliving.about.com/od/utilities/
 
 
Bella Online a review site for women http://www.bellaonline.com/subjects/1028.asp
 
 

 
 
 
 
 
 
 
 
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