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When your heating goes, the only real fix it is to replace the furnace, which will cost upwards of $6,000. But keep up maintenance on your current unit about every six months, and you won't need to break into your emergency savings. Hire an HVAC professional to come and inspect everything to make sure the system is running smoothly. Another easy way to improve air quality, efficiency, and extend the life of your unit is to replace the filter at least every 90 days—or less, if you have allergies or pets.
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