Switch to cold water: Almost 90 percent of the energy used to wash clothes is used to heat the water. Save money and energy. Wash your clothes in warm or cold water, instead of hot, using a detergent formulated for cold-water use.

Have a Backyard or terrace? ..then Line-dry your clothes: Dry your clothes on a laundry line..just the way grandma used to rather than throwing them in the dryer. Clothes dyers are the third-largest energy users in the home, behind the refrigerator and washing machine. It may take longer but it dries it just the same. Already have a dryer?..save it for a rainy day...while the sun is bright and shinning let that dry your clothes.

Switch to CFLs.: Compact fluorescent bulbs use 75 percent less energy than incandescent bulbs and last up to 10 times longer. They're more expensive than traditional light bulbs, but it only takes about 3 months to make up for the higher sticker price in energy savings.

Unplug your Appliances: Many appliances use electricity even when they're turned off. It's called a phantom load, or vampire electricity, and as much as 75 percent of the electricity used by home electronics and small appliances is used while they're turned off. The simple solution is to unplug small appliances and electronics when you aren't using them. Or, plug them into a power strip and turn the power strip off when you aren't using those items.

Run your Dishwasher FULL: You'll save up to 20 gallons of water per load, or 7,300 gallons a year. That's as much water as the average person drinks in a lifetime. And don't pre-rinse if your dishwasher can handle it.

Don't preheat: Don't bother if you are broiling, roasting or baking a dish that will cook for an hour or more. Don't preheat for more than 10 minutes for breads and cakes. And when roasting meats or baking casseroles, turn off the oven 10 minutes to 15 minutes before cooking time runs out; food will continue to cook without using the extra electricity.