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score when you pay on time. This is Optimal Finance Daily. Seven ways to save on heating costs this

winter by Hillary with Moneyminiblog.com.

Winter is coming if it hasn't already arrived and with it come lower temperatures outside

and higher bills at home. Fortunately, there are a few things you can do that will help you save

big on your heating bills, many of them for free. These tips will help

you on your heating costs without a huge investment of time or money. Number one, turn down the

heats. With space heating accounting for about 40% of the average household's energy consumption,

or about 63% of natural gas consumption, no matter what size of your home or

apartment, it's one of the biggest expenses that you have to cover during the winter.

It may sound obvious, but it's true. The simplest and most effective thing you can do to keep

your heating costs to a minimum is to simply lower the temperature on your thermostat. Each degree

lowered during the heating season represents between 1 and 3% savings on your heating bill. Not

sure you can manage a cooler home when the temperatures drop? Try the 1 degree method. Gradually

changing the temperature will help you save money without noticing that you're

using less heating. Number two, update your wardrobe. Embrace wetter weather in the winter and

...