Typically, 45% of your utility bill goes for heating and cooling. Heating and cooling systems can often be seen as the most cumbersome place to start when trying to save money, but by combining proper equipment maintenance and upgrades with appropriate insulation, air sealing, and thermostat settings, you can cut your energy use for heating and cooling, and reduce environmental emissions, from 20% to 50%. Embrace these tips from The U.S. Department of Energy and local energy companies as a whole-house approach.