Install programmable thermostats, which lower heat at set times when the home or business is not occupied.

Keep temperatures at a steady rate (e.g., 65 degrees) throughout the winter and wear layers of clothing if temperatures get colder. Lower the heat to 55 degrees if away for a day or longer. A steady temperature also helps prevent water pipes from bursting.

Make sure heating vents are not blocked by appliances, electronics or furniture.

Use wood-burning stoves and other solid fuel-burning heating appliances - and be sure to follow the regulations for safe use.

Run washers, dryers and dishwashers only with a full load and during the early morning or late evening. Many dishwashers have a delay start feature, which allows it to run overnight. And use the air-dry feature on dishwashers.

During warmer months, use an attic fan to draw hot air out of the attic and use a whole-house fan to draw fresh air in through windows and exhaust through roof vents.

Take a shower instead of a bath to use less water and to lower water heating costs. Lower the amount of water usage by installing water-saving fixtures (e.g., on faucets and shower-heads). Lower the temperature of the water heater to below 120 degrees. Repair water leaks in all pipes.