### Instruction: How can I lower my utility bills?
### Response: Here are some of the things you can do to lower your utility bills:
* check your utility company’s website to see if you qualify for any subsidies
* if you’re on a TOU (time of use) plan, try shifting heavy loads, such as electric clothes dryer use, to cheaper time periods
* replace your appliances and/or HVAC with more efficient ones
* buy solar panels, which will lower the cost of electricity 
* make sure your home is well insulated