These are a few tips to remember to help save money with utility costs: See if your utility has a subsidizing program to make your home more energy-efficient. If that turns up nothing, you can still caulk your windows and check the insulation to make sure it has a high enough "R" factor. Use fluorescent lights instead of incandescent bulbs for lights that are constantly on. Maintain the thermostat at the highest and lowest temperature for comfort in the summer and winter, respectively.