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A new programmable thermostat may run you $40 to $70, but Simran says you'll start seeing lower energy bills immediately. "For every degree that you reduce your temperature, you're going to save about 1 percent of energy on your energy bill," she says. "I suggest keeping your thermostat around 68 degrees in the winter and around 78 degrees in the summer." Stop shivering under blankets today!

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