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If you don’t have a programmable thermostat, it may be time to make the investment. These clever devices allow you to set the temperature to rise or lower automatically according to your work and sleep schedule. When no one is home, lower the thermostat in winter and raise it in summer so you're not paying to heat and cool an empty house. Program the thermostat correctly, and it will reward you with a savings of 10 percent or more on your heating bills.
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