1.Identify which appliances in your home use the most amount of energy and contain a higher percentage of your bill. You can save hundreds of dollars annually by enrolling in a home management load program that offer a 100-dollar savings in a year on electric utility hour rate programs. So not only will you be watching the energy you are using, but you get a cash incentive. This of course could vary depending where you live. Call your utility companies and find out more!

2.It is recommended that you have improved appliance efficiency. The heating system appliances are the ones that consume too much electricity. The refrigerator and the water heater consume that much energy as well. Make sure to check these items regularly to ensure their efficiency. Have you noticed many appliances these days are energy efficient. One good thing to check is the thermostat on the water heater. A lot of people keep this really high, higher than it needs to be.

3.Always remember to give your furnace a tune up at least twice a year. You have to cover the water heater to insulate it and give your refrigerator coils a cleaning at least twice a year as well. You may also set a timer for the heater to have regular flow of electricity whenever it is in use. You may call your utility service to check if there is a low rate offered during any specific time of the day.

4.You may also save money by lowering your heating bills. You may set your thermostat down three degrees to make you save 3 percent on your bills. You may even save more by not using it while you are at work or you can even turn it lower during nighttime when you are asleep. Depending on where you live, you can use space heaters to cut down on heating costs. This worked for me one winter when I lived in a small apartment. I also lived in the South so that plays a factor too of course.

5.Not many people these days have land lines and are customers of wireless companies. These are the greatest at making us spend ridiculous amounts of money for services we never use. Buy a cheap phone... most expensive ones are never really needed. Don't pay for internet, downloads, ring-tones, etc... the list goes on.

6.You may want to consider lowering your water bills in order to save money. Check if there are leaks so that you may fix them immediately. You may put a water saving showerhead to lessen the use of water when taking a shower. Consider a water saving toilet as well. They save many gallons and can pay for themselves pretty quickly.

These are just some great ideas and tips to lower your utility bills. This will help give you a great increase in your pay, which you can manage with you working budget, and use to pay off debt and become financial free! So easy you won't even notice you are doing them.