TENCU Chronicles

When temperatures start to drop, your utility bills tend to rise. Between heating costs, shorter days, and holiday spending, winter can do a number on your wallet if you’re unprepared. But with a few smart moves, you can keep cozy and keep your finances in check. Here’s how to ensure your budget is ready for those cold-weather costs.

Seven Budget Tips

1. Review Last Year’s Bills

Start by looking at what you spent last winter on electricity, gas, or propane. This gives you a baseline for what to expect and helps you plan. Remember that energy prices can fluctuate year to year, so it’s smart to budget a little extra cushion—just in case.

2. Create a “Winter Fund”

As you’d save for the holidays, set aside a little each paycheck for winter utility costs. Even $20–$30 every two weeks can help offset those bigger bills when temperatures dip. Treat it like your seasonal savings safety net!

3. Seal the Leaks and Insulate

Your home could be losing more heat than you think. Check windows and doors for drafts, and seal them with weatherstripping or door sweeps. Add insulation to your attic or crawl space if needed—it might cost a little now, but it can save you hundreds in heating costs later.

4. Schedule a Heating System Checkup

A quick maintenance check on your furnace or HVAC system can go a long way. Clean filters and efficient systems use less energy and can prevent expensive mid-winter breakdowns.

5. Embrace the Layers (and the Thermostat Trick)

Lower your thermostat by just one or two degrees and layer up instead. According to the Department of Energy, you can save up to 10% yearly on heating by turning your thermostat back 7–10 degrees for 8 hours daily. Cozy sweaters for the win!

6. Take Advantage of Energy Assistance Programs

If your budget feels tight, see if you qualify for local or federal energy assistance programs. Many utility companies also offer budget billing options to spread your payments evenly throughout the year.

7. Light Smart

It’s easy to rack up costs with shorter days by keeping lights on longer. Switch to energy-efficient LED bulbs and unplug unused electronics—small changes that can make a noticeable difference in your winter bills.

Start saving today with a TENCU savings account! Open Now!

Preparing for winter isn’t just about cozy blankets and hot cocoa—it’s also about keeping your finances warm. With some planning and energy-conscious habits, you can stay comfortable without getting burned by high bills.