Install a programmable thermostat

Install a programmable thermostat. Programmable thermostats regulate the temperature in your house automatically according to the schedule that you set. Thus, when you’re not home, it allows the heating or cooling to turn off for several hours, saving you money on your energy bill. A programmable thermostat can easily cut your energy bill by 10 to 20%.

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E.I. Tip: Divide Your Paycheck. Ask your company’s HR department to divide each of your paychecks between your savings & checking accounts. Set a specific percentage to automatically deposit into your savings so you’re less tempted to touch it while off work. Also, interest rates are generally higher for savings accounts than they are for checking.

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