As a bankruptcy attorney Memphis has trusted for more than thirty years, I’ve met thousands of people suffering from debt and trying their best to live within their means. Unfortunately, utility bills can fluctuate drastically, rising highest in the peak of summer heat and during freezing winters.

Well, winter is just around the corner. The days are getting shorter while the nights become colder. In Memphis, the weather is unpredictable. While it never gets quite as insufferably cold as other parts of the country, there are always a few nights when trying to make do with space heaters, cozy blankets, and a warm meal just doesn’t do the trick.

For anyone struggling to make ends meet, opening a utility bill can be a scary experience. With the impact coronavirus has had on the economy this year, more people than ever are experiencing anxiety when these bills arrive. And many are having to choose between paying for food, medicine, or heat. It’s heartbreaking.

If you’re dreading what the winter months mean for your utility bills, read on for tips to cut down on energy and save money.

A little insulation goes a long way.

Heating and energy bills are expensive. According to Nationwide Insurance, the average household spends $2,060 per year on utilities.

Better insulating will likely lead to energy savings. If your home is on the draftier side, you can seal leaks inside and outside your house with relatively inexpensive weather stripping. Less leakage means your home will stay warmer on the inside while keeping the cold where it belongs: outside.

Get a smart thermostat.

Programmable thermostats used to cost hundreds of dollars, but now you can get one for much less. A programmable thermostat controls the temperature settings of your home during the day, when you leave, and while you sleep. This means you can consume less energy without even thinking about it.

Try energy-efficient light bulbs.

Lighting makes up almost 5% of home energy use. The next time a bulb goes out, opt for an LED or compact fluorescent bulb instead of the old-fashioned incandescents. LEDs last much longer and use significantly less energy.

You may need extra help.

2020 has been a tough year. This isn’t a time when anyone should suffer more than necessary.

In my experience, if you are truly overwhelmed by utility bills, the tips above won’t be enough. But bankruptcy is a lasting solution. From 30 years as a bankruptcy attorney Memphis trusts, I’ve helped thousands of people get out of debt permanently and rebuild their finances stronger than they ever were before.

Please don’t let your inability to pay bills cause a deeper downward spiral. You can stop the problem before it gets worse. Call (901) 327-2100 or contact us online for an absolutely FREE consultation today. We’ll tell you how we can help and answer any questions you might have.

Our lawyers are known for our compassion and results, and we are happy to walk you through it all, even if you’re feeling unsure. We look forward to serving you.