Female Speaker: Fine Living Networks Smart Tips with green energy expert, Joe Harberg.

Joe Harberg: A programmable thermostat helps conserve the amount of energy used in your home. Here is what you need to know. You don't have to buy a new heating and cooling system to use a programmable thermostat. Compatible models are available for virtually all HVAC systems regardless of age. Most range in price from $50-$300.

You can install a programmable thermostat yourself. The most important step is taking time to program it correctly. Doing so can save up to 18 percent on your monthly utility bill. Programmable thermostats provide a win-win scenario. Automated settings are convenient and sure-comfort, and can save you money each month. And don't forget, they ensure you don't waste energy.

Female Speaker: For more, go to fineliving.com/Smarttips.