One of the fastest, simplest, and easiest ways to save money is to reduce how much energy you use at home. LED light bulbs are a no-brainer: they last ten or more years while using a minuscule amount of electricity (buy the ones bearing the ENERGY STAR label). Programmable thermostats will automatically turn up or down your heat and AC so you don’t waste energy — and money — when you’re out of the house or asleep.
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