With the colder months upon us, there are a few cost-cutting measures that can help save you money.

I know as the temperatures begin to dip, my electric bills seem to rise. It is important to remember on those cooler days to set your thermostats lower. I know in my home that my thermostat is set between 66 and 68 degrees on colder days. Instead of running your heat, my family puts on heavier clothing in an effort to save on the electric bill. To stay warm in the evening, we still don’t increase the temperatures in our home. Instead, we pile on the blankets and stay nice and snug while saving money.

On cold and sunny days, make sure you open up your curtains and blinds during the bright, warmer hours. The sun is a great way to provide natural heat to your home. However, once the sun goes down make sure you close the blinds and curtains to help retain the heat.

Another way to save money is by using your crock pot. Many of you who read my column know that I have a passion for using my crock pot. I find it to be a great little device that frees up my hands during homework time and busy after school hours. We use our crock pot on average about four nights a week. However, it also is a great little device when you are looking to save money. It uses far less electricity than your oven.

I also like to save money when it comes to exercising during the winter months. I am a walker. My friend and I try to walk every single day for more than an hour. I find this isn’t only a great form of exercise, but it also helps me reduce stress. However, when the temperatures start dipping it becomes a little more difficult to walk. When the temperatures are unbearable, my friend and I walk around an area mall. The inside of the mall opens for walkers, several hours before the actual stores do. This is a great way to exercise and with the stores closed, you don’t have to fear shopping.

For those who don’t like to venture out in the cold weather, you can still find activities to do at home without breaking the bank. The winter months are a great time to catch up on great books, bring out the board games or check out a free movie from your area library.

Do you have frugal tips? E-mail them to localnews2005@yahoo.com.