First, replace your heating and cooling system’s air filters on a regular basis.  This helps your system run more efficiently.  Second, wrap your water heater in an insulation blanket.  Third, install low-flow shower heads and water restrictors on your faucets.  Fourth, use window treatments seasonally, closed during the summer to keep the heat out and open during the winter to use the sun’s rays to warm your home. Last, insulate…place weather striping around windows and door frames and draft guards beneath doors.