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While tunes of “Baby It’s Cold Outside” might be ringing through your head, you don’t have to be cold inside. The problem with simply turning up the heat inside when it’s cold outside is that it can empty your wallet and your bank account—quickly. It’s better to find ways to stay warm that are low-cost, yet effective. Use these five tips to stay warm inside when it’s cold outside.

1. Conduct a Pre-winter Home Inspection

Prepare your house for winter way before the winter months are upon you. It really comes down to the law of supply and demand. If you wait to check the furnace, the insulation and to ensure that the windows aren’t leaking in the middle of winter, then the contractor or the supplies are more costly because the demand for these products and services are high.

If you check these items and make the necessary repairs prior to winter blowing in, you can save money on any of the repairs or replacement items you need.

2. Install Heavy Curtains

When decorating the rooms in your house, decorate with function in mind, as well as style. Hang heavy curtains over doors and windows. If you can, splurge a little and install curtains with a thermal backing on them. Heavy curtains or thermal-backed curtains help to keep the cold air out and the warm air in during the winter.

3. Use Low-energy Space Heaters

Rather than turning the thermostat up on the heat, use space heaters for the rooms where you and your family congregate. Using space heaters allows you to heat the rooms that you need heated because there are people in the room at the time, without heating the entire house, including rooms that are not in use.

Electric space heaters can be more cost effective than paying for gas or oil heated furnaces. According to Tree Hugger, thermostat and timer options add energy efficiency to electric space heaters.

4. Install a Programmable Thermostat

Installing a programmable thermostat helps you to put your heating program on autopilot. You can program the thermostat to turn on right before you and your family comes home for the day, and turn off right after you leave for work or school. You can also set the temperature so the heater turns down during the hours when nobody is home or it is warmer outside and up during the colder times of the evening and night hours.

5. Use an Efficient Fireplace

Step one is to make your fireplace more efficient. You can accomplish this by installing a fireback, which is a sheet of metal that goes behind the fire. This helps to reflect the heat into the room instead of allowing it to all go up the chimney and out of the house (or for the cold air from outside to blow down the chimney and into the house). Step two is to use the fireplace to heat the room while simultaneously adding ambiance.

Save resources, save money

Just because it is cold outside doesn’t mean it has to be cold inside. And it doesn’t mean that you have to crank up the heat unnecessarily, either. Use these five tips to help keep warm in the most efficient ways possible. In doing so, you preserve natural resources, and you save some money, too.

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Cate Morgan-Harlow

Cate Morgan-Harlow is an all arounder, writing about how-to, DIY, and design with gusto. She is a shadowy figure with a mysterious past.