As both winter ... and economic recession ...  wrap us in their icy grips, one can't help but contemplate easy ways to save money. Based on the season ... the following tips should prove helpful.

1. Keep the thermostat at 68 degrees. Even though I keep the thermostat set at 68 degrees ... sometimes I turn the heat off altogether ... particularly if no one will be at home for several hours. If I still find myself a wee bit chilly, I'll add another layer of clothing (perhaps a sweater ... or a pair of sweats) ... or cover up with a blanket ... or fix myself something warm to drink (hot cocoa or hot cider are excellent choices).

2. Close the vents in rooms you don't use regularly. There's no need to pay for heating your entire home if there are room you seldom use.

3. Check the weather stripping around doors and windows ... and use a 'draft dodger' at the base of exterior doors to prevent cold air from entering your home. A rolled up blanket or towel will work just fine.

4. Change the filter in your furnace as soon as winter arrives. Just like the air filter in your car ... a clean furnace filter increases the heater's efficiency, thus saving you money. 

5. Make sure the damper is closed on your chimney (I forget this all the time!). Not only does cold air come in from the outside ... but warm air from inside also escapes ... increasing heating costs. Grrr.

6. Consider an electric blanket for your bed ... though you may not need to do more than 'warm it up' prior to slipping beneath the covers. If you turn the blanket off soon after getting comfortable ... it will likely keep you warm long enough to fall asleep ... and then your natural body heat along with the bedding should keep you comfortable until morning.

7. Opt for crockpot meals such as soups and stews at least once a week. You'll save energy costs by cooking everything in one pot ... and you'll keep warm while consuming them.

8. Cook 'double batches' when preparing random meals ... and save the second batch for another night ... or exchange with a friend. Purchasing increased quantities is usually more cost effective ... and cooking both at once is also energy efficient.

9. Winterize your car for better fuel efficiency. Not only antifreeze for the radiator ... but de-icer in your windshield wiper solvent ... should reduce the amount of time you leave the car running before driving ... thus contributing to fuel efficiency. Proper air inflation of your tires is also important.

10. Watch for free entertainment souces in your area. Locally, the Indianapolis Children's Museum offers free admission on Christmas eve this year. In fact, during the 12 days before Christmas, there are a variety of Indianapolis attractions offering free admission. Research similar opportunities in your own community.

Additional suggestions are welcome (though I must admit I'm not willing to turn down my water heater ... or decrease the length of time I spend in the shower).