Smart Ways to Save on Heating Costs This Winter

The costs of heating your home during a Maine winter can really add up. But there are things you can do to help keep your heating costs under control. While larger efficiency upgrades like heat pumps can make a big difference, there are many small, low-cost changes you can start making today that will help you save right away. By combining quick wins with smart long-term investments, you can stay comfortable, reduce energy waste, and better manage your heating expenses all season long.

Immediate, Low-Cost Ways to Cut Heating Costs

Small changes add up quickly, especially during long Maine winters. These simple, inexpensive steps can help you feel warmer and use less heat right away.

Seal Drafts and Air Leaks

Heat loss through gaps in windows, doors, and exterior walls is one of the biggest sources of wasted energy.

• Use weatherstripping around doors and windows.
• Apply caulk to cracks and small openings.
• Seal gaps around pipes and wiring using expanding foam or caulk.

A few dollars’ worth of materials can noticeably improve comfort and reduce heating demand.

Use Your Thermostat Strategically

Adjusting your thermostat is one of the fastest ways to cut energy costs.

• Lowering your thermostat by even 1–2 degrees can reduce heating expenses.
• Aim for around 68°F when home and lower when asleep or away.
• A programmable or smart thermostat can automate these adjustments, helping you save up to 10% annually.

Make Smart Use of Windows

Take advantage of natural warmth:

• Open curtains or blinds on sunny days to let in heat.
• Close them at night to help insulate against cold outdoor air.

Maintain Your Heating System

Your system works harder when filters are dirty, or airflow is blocked.

• Replace or clean furnace filters regularly.
• Make sure vents and radiators aren’t blocked by furniture, rugs, or curtains.

Use Ceiling Fans to Redistribute Warm Air

Switch ceiling fans to run clockwise at a low speed in winter. This pushes warm air—naturally rising to the ceiling—back down into the living space.

Mid-Term Efficiency Moves That Pay Off

Once you’ve tackled the quick fixes, consider making moderate upgrades that can boost efficiency throughout the winter and for years to come.

Schedule an Annual Heating System Tune-Up

A professional tune-up for your furnace or boiler helps it run more efficiently, last longer, and reduce the risk of mid-winter breakdowns.

Improve Your Home’s Insulation

Insulation plays a major role in heat retention.

• Focus on attics, which are one of the most common sources of heat loss.
• Consider insulating walls, crawlspaces, and ductwork as well.

Better insulation means your heating system doesn’t have to work as hard—translating into ongoing savings.

Long-Term Investments: Heat Pumps and High-Efficiency Upgrades

After addressing low-cost improvements, long-term upgrades can significantly reduce heating costs and improve comfort.

Heat Pumps: Efficient Even in Maine Winters

Modern heat pumps are designed to operate effectively in cold climates. They provide energy-efficient heating, cooling in summer, and year-round comfort.

• Heat pumps can lower annual heating costs, especially when replacing or reducing reliance on oil or electric resistance heat.
• Efficiency Maine offers substantial rebates, making installation more affordable.
• Many Maine homeowners use heat pumps as their primary heating source and keep traditional systems as backup.

Other High-Efficiency Upgrades

Depending on your home’s heating system, you might also explore:

• High-efficiency boilers or furnaces
• Weatherization services
• Advanced smart thermostats or zone-heating systems

These investments may require more upfront costs but pay off through lower energy use and increased home comfort.

Financial Assistance and Fuel Management Tips

Heating costs can be unpredictable, so explore options to help manage expenses:

• Town & Country FCU offers a Heating Fuel Loan where you can borrow up to $5,000 with a fixed 5.99% interest rate and payment terms for 12 months.
• HEAP and ECIP through MaineHousing offer income-based home energy and crisis fuel assistance.
• Fuel price lock-in or pre-buy programs can help stabilize heating oil or propane costs.
• Sign up for automatic delivery to avoid emergency fill-ups or running out.

Where to Find Help in Maine

• Efficiency Maine – Rebates for heat pumps, weatherization, and energy-saving upgrades
• MaineHousing – Energy assistance programs
• Local Community Action Agencies – Support for income-eligible households

Reach Out for Help

At Town & Country, we’re here to help you navigate any of life’s financial challenges. Contact us at info@tcfcu.com or 800.649.3495 to schedule time to talk with one of our loan officers.