Depending upon where you live, home heating costs are projected to rise anywhere from 30 percent to 70 percent this winter. This is especially devastating news for seniors and those on fixed incomes who are already having a difficult time making ends meet.

The good news is that you don’t have to succumb to either high utility costs or poor living conditions if you are willing to make a few cost-effective energy saving improvements that will pay big dividends. Install a setback thermostat: Do you heat your home all day when you’re away or all night while you’re sleeping? Are you a slave to your thermostat? Do you make several adjustments throughout the day and night to attempt to manage utility costs? If you answered yes to one or more of these questions, you need a setback or "programmable” thermostat.

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