Get An Auto Insurance Quote

Find out if you're eligible to save hundreds on your car insurance.

Nine Money-Saving Tactics and Tools to Stay Cool

Amanda S. Creasey

In the heat of the summer months, many of us feel tempted to turn our thermostat down just two or three more degrees to achieve a sense of cooling relief. What we may not be aware of, however, is that those two or three little degrees may make quite a difference in your summertime electric bill. According to the U.S. Department of Energy, about five percent of the electricity produced in the U.S. is used to run air conditioners and at a cost to homeowners of more than $29 billion a year.

While you may be willing to pay that price to stay cool, you don’t have to. Below are nine ways you can get cooler this summer without breaking the bank.

1. Strategically Open Your Windows

As a rule of thumb, if your air conditioner is on, you’ll want to keep your windows closed. A popular myth advises that opening windows while running your air conditioning will help cool a room faster, because the open windows let the hot air out, allowing the cool air to replace it.

What actually happens, though, is that the cool air generated by your air conditioner escapes through the open windows. Your best option would be to open your windows only when the air temperature outside your home is cooler than the air temperature inside and only while your air conditioner is turned off.

Cool House By Opening Windows

If you are going to open windows to cool your home, being strategic about it can maximize the cooling effect and increase your financial savings. For example:

  • Open the downstairs windows on the shaded side of your house and the upstairs windows on the sunny side. Because heat rises, doing so will pull air up through the house, creating a draft to maximize air flow, pulling the cool air throughout the house.
  • You can achieve a similar effect if you open the downstairs windows on the side of your house facing into the wind and the upstairs windows on the side facing away from the wind. Doing this changes the air pressure, pulling cool air in through one side of house.

If you do opt to open windows to cool your home, be sure to close them as soon as the temperature outside becomes higher than the temperature inside.

2. Turn up the Temperature When You’re Away

You may have heard that maintaining a constant temperature in your home is an efficient and money-saving tactic when it comes to your cooling system. Many people believe that allowing their homes to warm up will tax their air conditioners, causing the units to work harder to re-cool a space.

This, however, is a myth. Experts actually recommend turning your thermostat up at least a few degrees when you are away from home on a warm day. You can then turn it back down to the desired temperature when you return.

3. Install a Programmable Thermostat

A programmable thermostat can allow you to adjust the temperature of your home without the hassle of having to remember to do so, or having to sit and sweat while you wait for your home to return to a comfortable temperature.

These thermostats allow you to create a schedule for your home cooling. You tell your thermostat when it should turn the temperature up or down at various points during the day. Once you’ve plugged in the settings, you don’t have to worry about remembering to turn the temperature up when you leave or back down again when you return. Instead, the thermostat will have your house at the desired temperature when you arrive.

Plus, you’re likely to save up to 10% on your annual heating and cooling costs if you simply set your thermostat seven to 10 degrees warmer eight hours out of the day. A programmable thermostat can remember to do that for you.

4. Install a Whole-House Fan

Installed in your attic, whole-house fans run at night, when temperatures cool down, replacing the warmer air inside with the cooler air from outside.

Whether or not a whole-house fan would be effective for your home depends on where you live. These fans are best suited for dry climates that feature cooler nighttime temperatures. For instance, if the air outside at night is below 70 degrees, a whole house fan may be a great option for you. On top of this, whole house fans provide three to six air changes per hour, which can keep the air in your home and attic fresh. And overtime, you’ll also save significant amounts of money on cooling.

5. Landscape for Maximum Cool

Taking your particular climate into consideration is important when planning landscape designs to reduce your summer cooling costs. Some landscaping recommendations that apply in most areas include:

  • Planting tall trees with wide canopies on the south side of your home can help shade your roof from summer sun during the peak daylight hours, thus reducing solar heat gain.
  • On the west side of your home, consider planting shorter trees or tall bushes to shade the walls from the late afternoon sun.
  • Evergreen trees to the northeast can help direct warm southerly winds away from your home and create southwesterly winds.
  • Planting low-lying shrubbery anywhere around the foundation of your home can keep the ground surrounding your home cool, but be sure to leave enough space between your home and the bushes for air to flow.

While many people view climbing vines such as ivy as damaging, these vines can actually be very beneficial on brick or stone houses. Allowing vines to grow on the south and west walls of your home can help shade them. Provided you keep all air intakes clear, shading your air conditioner by planting bushes around it can increase its efficiency by 10% and can decrease your bills by up to 50%.

Finally, planting ground cover in areas that are currently bare or that feature pavement can decrease the temperature around your house by 10 degrees. Since the energy consumption of your air conditioner directly relates to the temperature difference inside your house versus outside, keeping the air around your house cooler reduces the load on your air conditioner.

6. Cover Your Windows

While any drawn window treatments can help prevent solar heat gain in your home, drapes with blackout lining are designed specifically to prevent it. However, when closed, they will keep your house dark.

If you want to let in the sun’s light without the sun’s heat, you can pair blackout curtains with translucent window coverings or window film. Simply close the blackout curtains for maximum protection from summer heat when you leave home and open them only when you are home.

Even when blackout curtains are open while you are home, the translucent drapes or window film will let in light while still helping decrease solar heat gain. This reduces the burden on your cooling system and saves you money.

7. Use Ceiling Fans

Even though ceiling fans do not cool the air, they do move it. This movement creates a cooling effect that can allow you to set your thermostat higher without feeling warmer, thus cutting down your cooling bill. To reap the maximum money-saving benefits of a ceiling fan, make sure to install it wisely.

First, ceiling fans are most efficient when hung seven to nine feet above the floor and 10 to 12 inches from the ceiling. Second, make sure you choose a fan of an appropriate size for your space. The U.S. Department of Energy recommends fans 36 to 44 inches in diameter for rooms of 225 square feet or smaller. For larger rooms, opt for a 52-inch or larger diameter. If your space is longer than 18 feet, you may want to consider installing multiple fans.

You can save even more energy and money by turning ceiling fans off when you leave the room. As fans cool people, rather than spaces, a running fan is a waste of energy in an empty room where no one is present to enjoy the breeze.

Install Ceiling Fan to Save Money

8. Change Your Air Filters

Regularly replacing your system’s dirty air filter with a clean one can reduce its energy use by five to 15%, saving you money. In fact, this simple maintenance task is the most important factor in your system’s energy consumption, according to the U.S. Department of Energy. It’s also recommended that you clean or replace filters every four to eight weeks during the summer months to maintain your system’s efficiency.

9. Be Energy Savvy

We’ve talked a lot about things you can do to help keep your cooling costs down this summer, but there are also a few things you should avoid doing. For example, using your oven can increase the temperature of your home. This can force your air conditioner to work harder to keep the space cool. Instead, you may opt to use your outdoor grill or your microwave.

You’ll also want to avoid leaving lights on in unoccupied rooms. Incandescent bulbs give off 90% of their energy as heat, contributing to heat gain in a room and forcing your air conditioner to work harder.

Finally, don’t leave your air conditioner running at the same temperature while you’re away from home. When you leave, turn the thermostat up or turn the unit off altogether. Better yet, install a programmable thermostat to do it for you. You won’t regret the money savings that result.

READ MORE: 11 Cool Tips for a Comfortable Summer Drive

What do you do to help keep your home cool during the hot summer months? Share your tips with our readers in the comments.

9 Responses to "Nine Money-Saving Tactics and Tools to Stay Cool"
    • Lula Lampley | July 4, 2021 at 7:44 am

      Thank you so much for the informational tips. Some of them I do regularly, and some I have not done yet. But thank you for the knowledge. Somehow I feel this gives me the power overheat. LOL cool breezes to you👍🏽

    • Jeff Franklin | June 26, 2021 at 6:25 pm

      The most important energy savings is investing in an aluminum solar barrier shield that some companies install as a “lay-over” or “staple up” in your attic like a thick heavy duty aluminum foil that is the best heat shield there is. (confirmed by NASA.) This prevents attic heat from penetrating thru your house room ceilings from the attic (or keeps the solar heat from getting into your attic in the first place). As for the whole house fan, in very hot climates, this defeats the purpose of keeping heat out of your house because 1) most take 750 watts or more to run and this cost to your energy bill is higher than what you save, and 2) there is no benefit in pulling in air that is hotter outside than inside as these fans pull in air from your opposite attic vent.

    • Al Schrader | June 24, 2021 at 2:13 pm

      Warm air rises. Ceiling fans stir that warm air down onto you making you hotter. Horizontal fans create less down force turbulence.
      There are around 3 or 4 super hot days every summer. Instead of trying to cool your house with the A/C running steady, about $20 worth of watts, turn it off and go somewhere like the library or movies, mall, etc.

      • Wendy | June 29, 2021 at 9:26 am

        Jeff, depends where you live. In Las Vegas, NV almost every day all summer is hot–as in 100 degrees plus.

    • Ann | June 24, 2021 at 10:15 am

      Good advice for dealing with summer heat. Many of those listed we have had in place for years, but it is helpful to know we are in keeping with expert points made.

      More should be said regarding addressing Climate Change and problems caused by emissions from cars and trucks and how we need to move into transport systems that control emissions and produce fewer toxic air conditions.

    • DTR | June 24, 2021 at 9:39 am

      How high can you set your a/c vis-a-vis humidity build-up in South Florida?

      • Al Schrader | June 24, 2021 at 2:14 pm

        Set two gallon buckets of Damp-Rid at either end of your house.

      • Lula Lampley | July 4, 2021 at 7:54 am

        Thank you very much I’ve never been a big fan of spider plants but I think I’ll try one of those and one of the mother-in-law‘s tongue you never know I might grab a Boston fern to thank you so much for the information knowledge is power.

    • Drucille Stafford | June 15, 2021 at 11:29 am

      When I go to car I will add the trim information

Leave a Reply

Disclaimer: Comments are subject to moderation and removal without cause or justification and may take up to 24 hours to be seen in comments. Your email address will not be published. Required fields are marked * Please do not include personal policy information; if you have questions or concerns regarding your policy with The Hartford, please log into your account or you can speak directly to a Customer Service Representative.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.