Are you afraid every month when the utility bill comes in the mailbox? Could this month’s bill be even more expensive? If this scares you than and you want to do something about it, than read here how to save money.

A regular household that spends at this amount often wastes power and of course money. If you’re washing your clothes with hot water you would save a lot of energy if washing them with cold water. If you’re not using it you’ll be saving money again. Just start with these tips and you’ll be saving money guaranteed.

The tax credit available to the largest number of consumers is the incentive given to homeowners who make energy-efficiency upgrades to their dwellings. For the most part, making those upgrades comes with a 30 percent tax credit, up to $1,500, available through 2010. For some, that might mean sealing up their home with new windows, doors, insulation and roofing.

IF your cost estimates for traditional heating and cooling systems is about $17,000, so you're paying an extra $5,000, but you will likely save hundreds if not thousands of dollars on annual heating and cooling costs. Those savings, and federal stimulus money to make them possible, are available to millions of Americans as a result of bailouts aimed not at GM or Wall Street, but at homeowners and motorists.

Energy Star, an Environmental Protection Agency program that promotes efficiency, estimates that a knowledgeable homeowner or skilled contractor can save a family up to 20 percent on heating and cooling costs by sealing and insulating properly.