Winter is Coming: Are you Prepared?
Save on Energy and Prepare for Seasonal Expenses
As the temperatures drop and snow starts to fall, cozy nights and holiday lights aren't the only things on the horizon. Higher utility bills and seasonal expenses can sneak up fast. With a little planning, you cab stay warm, save energy, and keep your budget on track all winter long.
Read on to learn a few smart ways to prepare your home and your finances for the colder months ahead:
Seal Up the Savings
Before the chill sets in, take time to inspect your home for drafts. Caulking windows, sealing gaps around doors, and adding weather stripping can make a big difference. Even small leaks can let out a surprising amount of heat (and money) throughout the season.
If your home feels drafty, consider a professional energy audit to pinpoint where you can improve insulation and efficiency. Some local utilities even offer free or discounted assessments.
Adjust the Thermostat
Lowering your thermostat by just a few degrees when you're asleep or away can make a noticeable impact on your energy bill. Smart thermostats make this even easier by automatically adjusting temperatures based on your schedule.
Bonus tip: ceiling fans set to rotate clockwise can help push warm air down from the ceiling, helping your home feel cozier without cranking up the heat.
Light Smarter
Shorter days mean lights stay on longer. Switching to LED bulbs can use up to 75% less energy and last significantly longer than traditional bulbs. Pair that with timers or motion sensors to ensure lights only run when needed, especially for outdoor or holiday lighting displays.
Prep for Seasonal Expenses
Between holiday gatherings, travel, and higher utility costs, winter can put extra pressure on your wallet. Take a few minutes now to:
- Review your monthly budget and adjust for seasonal costs
- Set aside a "holiday cushion" fund
- Consider using a Holiday Club savings account or holiday loan for planned expenses rather than relying on high-interest credit cards
A little preparation now can prevent stress later and help you start the new ear on solid financial footing.
Don't Forget Winter Maintenance
If you're a homeowner or vehicle owner, preventive maintenance can save you money in the long run.
- Have your furnace services before it's working overtime
- Replace filters regularly to keep heating efficient
- Check your car's tires, battery, and fluids before the first big freeze
A few small tune-ups can help you avoid costly repairs or emergencies when temperatures drop
Stay Warm, Spend Smart
Winter doesn't have to mean higher bills or financial strain. By taking small, intentional steps now, you can keep your home cozy, your energy use low, and your finances in great shape through the cold months ahead.
And remember, your local credit union is here to help! Whether you're looking to build your emergency savings, consolidate high-interest debt, or budget for the holidays, we've got tools and experts ready to support you every step of the way.