According to the Department of Energy, the average American family spends $400 between June and August to cool their home. Accounting for approximately 43 percent of your energy bill, air conditioners are your home’s biggest home energy hog. While most homeowners can’t afford a complete overhaul of the HVAC system, low-cost maintenance like changing air filters and sealing cooling ducts can reduce energy use by 20 percent. The biggest payoff comes with installing a programmable thermostat, which lets you program your cooling system based on when you’re actually around. To save on this expense, purchase a discount gift card to Lowe’s or Home Depot at over 10-percent off through sites like GiftCardGranny.com. This tip comes from consumer expert Andrea Woroch.