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4 Ways to Lower Energy Bills This Winter
Updated: November 04, 2025
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Casey Rivers – Contributing Author

Winter is approaching, and while the season brings plenty of joyful moments — hello, Christmas — the cost of keeping the home warm and comfortable can also be anxiety-inducing for homeowners who are already feeling the pinch.

With energy costs expected to be even higher than last year, many families are nervously looking at weather projections in the hope that this winter will bring milder temperatures. Alas, for many parts of the USA, cold temperatures, rain, and snow will be a mainstay this winter.

As such, it’s important that budget-focused homeowners take steps to keep their energy bills as low as possible. On this page, we’ll outline a few effective strategies for reducing your energy bills while maintaining a warm home.

Pexels – CC0 Licence

Check Your Heating System is Working Correctly

It costs money to run your heating system, but how much it costs depends on how well it’s working. Poorly-maintained heating systems require significantly more energy to produce the same results as a well-maintained system. That means much more expensive bills with no real-world benefit; it’s the same level of heat, just up to 50% more expensive.

Proactively investing in heating system maintenance will ensure your system is working as it should. Plus, in addition to keeping energy costs down, it’ll also decrease the chances that your heating system will suffer a breakdown, which can be expensive to fix.

Plan Ahead to Manage Costs

It may be bad news that energy costs are rising, but it’s at least good news that we know about it before the bills arrive. This gives you time to plan ahead and make sure that you’ll be able to pay for your heating requirements. Putting away extra money now, when your heating costs are lower, can help you absorb the higher-cost bills later down the line. If you’re facing financial difficulties and aren’t sure how you’ll pay to heat your home, then apply for HEAP as soon as possible. The government assistance program is designed to help households that are struggling to meet their heating costs.

Heat the Key Rooms

It can be nice to have a fully-heated property, but in many cases, it’s not necessary. There’s little value in paying to heat a home that you rarely use. If you’re looking to keep your energy bills as low as possible, then focus only on heating the rooms in which you actually spend your time. It’s much cheaper to heat 2/3 key rooms than it is to heat your whole home.

Layer Up Your Home

Homeowners often rely on their heating system to stay warm during the winter months. But keep in mind that there are other ways to stay warm, too. In some cases, you can avoid turning on your heating system altogether, especially during days that are only mildly chilly. Floor rugs, heavy-duty curtains, and weighted blankets can all help to create a snug environment without having to blast the heating high. If you do require heating, then adding layers to your property will allow you to keep your thermostat lower than usual.

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About the Author

Taylor and Megan Kovar are the voices behind The Money Couple, helping couples transform their relationships by understanding how they each view and handle money. Married since 2007, they’ve expanded the impact of the 5 Money Personalities and created tools that make money conversations easier and more effective. Taylor is a Certified Financial Planner®, syndicated columnist, founder of 11 Financial, and frequent contributor to outlets like Forbes, CNN, and Yahoo Finance. Together, they’ve built businesses, raised three kids, traveled to all 50 states, and now spend their days helping couples find connection, purpose, and peace in their marriage and money.

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