Install a programmable thermostat. Budget-conscious homeowners seek any opportunity to spend less on heating. The tricky part is to save without compromising comfort. Here, a programmable thermostat can be a tremendous ally, automatically helping you achieve two things at once—toasty temperatures and manageable costs. Simply set the unit to run on your family's schedule, so the heat will turn itself up when you wake up in the morning or return home at night, and back down when you go to sleep or leave the house for the day. You may never feel any difference, but you'll probably notice the difference in your bills.