* Set your thermostat as low as is comfortable in the winter and as high as is comfortable in the summer.

* 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.

* Turn off kitchen, bath, and other exhaust fans within 20 minutes after you are done cooking or bathing; when replacing exhaust fans, consider installing high-efficiency, low-noise models.

* During the heating season, keep the draperies and shades on your south facing windows open during the day to allow the sunlight to enter your home and closed at night to reduce the chill you may feel from cold windows.

* During the cooling season, keep the window coverings closed during the day to prevent solar gain.

* $ Long-Term Savings Tip: Select energy-efficient products when you buy new heating and cooling equipment. Your contractor should be able to give you energy fact sheets for different types, models, and designs to help you compare energy usage. For furnaces, look for high Annual Fuel Utilization Efficiency (AFUE) ratings. The national minimum is 78% AFUE, but there are ENERGY STAR® models on the market that exceed 90% AFUE.

* $ Long-Term Savings Tip: For air conditioners, look for a high Seasonal Energy Efficiency Ratio (SEER). The current minimum is 13 SEER for central air conditioners. ENERGY STAR models are 13 SEER or more.