i'm assuming you're all electric, but maybe not. things to do for savings could be not applicable to you, because of your l climate, family size, house layout etc. post some details, as this is a hobby of mine (i'm not green, just cheap). if you don't have a big family, how about an water heater timer for your electric water heater? (they don't exist for gas) . if you live in a predominantly heating area (fla is not...penna is), largest percentage savings are over your head. R-49 in attic (about 14 inches). blow in froom lowes or HD, and they loan you the blower for free. in a heating climate, you may see a 20-35 % yearly heating savings. walls are a long payback. so are windows. forget what guys that sell windows tell you. UNLESS your windows are now single pane without storm windows. then you will get savings. go the the national fenestration site (they're the window mfr. trade group) they show how little you'll improve heating costs if you already have doubles. new windows will save something, but their payback is LONG if you already have double panes. insulate your basement walls. consumer reports has an excellent publication (not the monthly mag, this is a special pub) with lots of good DISINTERESTED party info, based on what we know about the science of this . keep your eye on PAYBACK, not savings, per se. $4000 on windows to save $200 a year is a 20 year payback. $700 for blow in for the attic may save you $300 a year--2 1/2 years. lots of things will save, but what's the payback? get some 2 walled polycarb and make interior storms, even if you have dual panes. pull trim on your windows and check install. are they insulated all around? thats plenty to start.