When crude oil finally hit the $100.00 per barrel mark, we all groaned inwardly knowing that the price will just be passed onto us. Never mind our environmental conscience, now we have to try and cut down just because of our wallets!

The Labor Department has also released figures showing that unemployment benefits are at the highest level for two years. As the American dollar is at its lowest against other International currencies since comparison records began, we know that what we buy will cost more. We must buy less, spend less and use less to get through.

We can't help the big picture, but we can help our own situation. The average American home spends around $1300 per year on heat, light and cooling. Small economies can add up to big savings and here are some tips for saving energy when using appliances in your own home.

When you use the washing machine, run the cycle on cold water. If this is irksome for you, first dissolve your washing powder in a little hot water and then switch to the cold cycle. Cut down on the number of your weekly washes and put in a full load each time. Buy a clothes horse or clothes line and on sunny days, see if you can line dry your laundry. If you are a working family, hang the bath towels (and other heavy items) overnight to partly dry before you finish them off in the dryer.

Buy extra everyday dishes at a thrift store, so that you can fill the dishwasher right up before you use it. Only run a full dishwasher and set it to the energy efficient cycle. Switch off the dry cycle and leave dishes to dry overnight.

When you want to vacuum, prepare the floor before you switch on, not while the vacuum is running. For instance, if you have to roll up rugs, move coffee tables and chairs, do it all first in order to use minimum energy.

Turn off your oven and electric stove rings a few minutes before you need to; the cooling-down heat will probably be sufficient for your needs.

When you use your oven, turn down the thermostat in the kitchen. Plan to make the most of the cooking time. If you are cooking a roast, slide in a meatloaf for tomorrow's meal. Cook an apple pie at the same time as you cook dinner, and make baked potatoes or baked squash when the oven is on. Two chickens can cook in the same time as one, and then use your second one later.

Once you have awareness that energy means money out of your budget, you will find it easier to be energy-smart. Often in this type of financial climate, companies offer big incentives to tempt you to spend your cash. When cars go on a zero credit offer in the spring - resist!

Try really hard not to give the credit card company your 20% interest payment; pay cash! Keep an eye open for credit card companies offering to switch you over with a no interest charge for a year; this usually happens in the tough times.

Switch over and then put your credit card in a plastic bag in the freezer. Often, the minute you add more items, the rate clicks in. To utilize these deals, keep one working credit card, and transfer the bulk of your balance to a 'no interest' credit card that you will not use.

As gas will probably be $4 per gallon gas in less than two months forget the gym - practice walking!