Last but not least, turn down your water heater 20 degrees, from 140 to 120. "You will never feel the difference," Simran says. "You'll save about $20 a year."

Want to save even more? Wrap an insulation blanket around the water heater. "This will be a small investment that will pay off for the long run," she says.

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Take Oprah and Simran's lunch challenge!