1. 60 degrees
   70 degrees
2. 80 degrees

Hate high heating bills? What's a degree or two when it comes to saving money? Believe it or not, you can slash 3 percent from your heating bill by every degree you set your thermostat below 70 in the winter. If you can't tell the difference between 69 and 70, there's an easy and painless way to cut costs right there. Those willing to wear a sweater or throw on an extra layer can save even more without much change in comfort.

1. unit costs
   sticker price
2. sale price

Unit costs tell you how much something costs per unit -- per roll of toilet paper, or pound of cheese, for instance. Take a calculator along on your next shopping trip to calculate unit costs as you shop and find the best bang for your buck.

1. how much you get from the company if you file a claim
   how much you pay when you have a claim
2. how much you pay the company each month

Your premium is how much you pay the company for insurance each month, and a deductible is what you pay when you actually file a claim -- say, when a storm knocks a tree onto your house or you get in a fender bender. Typically, the higher your deductible, the lower your premium, so asking to increase your deductible is a great way to cut monthly costs. This is especially useful for home insurance, where the average homeowner files a claim only every nine years.

1. get multiple types from a single company
   go without it
2. try to scam the insurance company

Bundling insurance means buying home and auto from a single company. On average, people in the U.S. save just shy of 16 percent annually with this tactic. You may be able to save even more by adding other types of insurance, like life or disability.

1. 2 percent
   25 percent
2. 90 percent

A whopping 25 percent of all heat that exits your home sneaks out through the windows -- when they're closed! Covering windows with clear, cheap, DIY film can keep some of that heat inside and cut heating costs by 14 percent. Even better, if applied correctly, you can't really tell the film is there, so it won't interfere with curb appeal.

1. incandescent
   CFL
2. LED

Incandescent bulbs are super cheap to buy, but 90 percent of the energy they use is turned into heat, not light, so they are incredibly wasteful to operate. If you have incandescent lights, always turn them off when you leave a room for any period of time to save money. If you have CFL bulbs, it's cheaper to leave the lights on if you'll be gone for less than 15 minutes.

1. $700
   $1,825
2. $7,000

Even at a conservative price of $1 per bottle, a bottle per day habit will cost you $1,825 over five years. If you invested that sum instead, you'd have more than $18,000 over 30 years at 8 percent. Of course, you need water to survive, but tap water is practically free! Pick up a reusable bottle and put down the plastic.

1. keeping a heavy object in the trunk
   using high-test gas
2. keeping tires properly inflated

Rotate tires and keep them properly inflated for less pain at the pump. On average, these simple practices will boost fuel efficiency by 3 percent.

1. $37
   $529
2. $21,000

More than $165 billion worth of food gets trashed in the U.S. each year, which equates to $529 per person. One of the best ways to save money on food is to avoid waste by planning meals and using food up before it goes bad and ends up in the trash.

1. 18 percent
   50 percent
2. 85 percent

When athletic clubs calculate memberships, they base their figures on the assumption that only 18 percent of people who pay for membership actually use the facility. Are you one of the 82 percent? If so, you might be better off quitting the club and pocketing that money instead of wasting it on a gym you never visit.

1. 60 mph
   70 mph
2. 80 mph

Cruising along at 60 miles per hour is the best way to save money while driving on the highway -- and that doesn't even include the savings on speeding tickets! For every 10 mph over 60, your mileage drops enough that you're essentially paying 10 cents more per gallon.

1. 4 to 9 percent
   50 to 60 percent
2. 99 percent

Insulating the hot water heater is an easy DIY job that costs less than $20, but will slash water heating bills by 4 to 9 percent -- so go ahead and take that hot shower without the guilt!

1. microwave
   oven
2. they both cost about the same to run

Microwaves are the clear winner when it comes to saving money on cooking costs. Nuking your meal uses around 80 percent less energy than heating it in the oven.

1. chicken
   beef
2. tofu

Meatless Monday does more than save animals -- it also helps to fatten your wallet. With both boneless chicken breasts and ground beef averaging more than $3.00 per pound, tofu is a steal at $2 to $2.50 per pound. Want to save even more? Protein-rich beans ring in at a little more than $1 per pound.

1. energy used by vampires
   energy used by old appliances
2. energy used by stuff you're not actually using

Did you know that everything you leave plugged into the wall keeps draining energy even when you aren't using it? The U.S. Department of Energy calls that vampire power and estimates that it accounts for around 10 percent of the average electricity bill. Zap these power wasters by unplugging them when they aren't in use or by using a power strip you can switch off to conserve energy.

1. $0.75
   $3.78
2. $9.00

OK, you don't have to give up your daily latte, but keep in mind that spending the average price of $3.78 per weekday on your favorite beverage adds to just under $1,000 per year. You could buy an espresso machine or French press and enjoy delicious coffee and still save hundreds of dollars a year if you're willing to make your own brew.

1. $300
   $2,400
2. $24,000

With $16,000 in credit card debt for the average household at a standard rate of around 15 percent, a typical family spends around $2,400 per year on interest. If your family has credit card debt, paying it off is one of the fastest ways to save money.

1. $40
   $103
2. $245

The average cable bill was $103 at the end of 2016. That's an increase of 39 percent since 2011. Consider cutting the cord to put $1,200 a year in your pocket, and use cheaper streaming services or free DVDs from your local library to satisfy your entertainment urges.

1. AC
   windows down
2. they both cost about the same

It's the age-old question -- should you roll down the windows or does the added wind resistance interfere with good gas mileage? The answer depends on your speed. In the city, keep windows down to save money. At speeds above 45 mph, roll the windows up and switch on the AC to get the most bang for your buck.

1. nothing
   $1 per month
2. $7 per month

If you put your computer to sleep instead of leaving it fully powered up while you work and sleep, you'll save more than $7 per month -- that's about $100 more in your pocket each year for very little effort.

1. $20
   $200
2. $2,000

A dripping faucet wastes around $20 worth of water a year. Not only is it bad for the planet, it's also bad for your wallet. A simple washer or seal will likely resolve the problem and keep more money in your pocket.

1. one-third
   one-half
2. three-quarters

One out of three households hang on to old refrigerators to store extra food. The problem with this is that refrigerator technology has improved so dramatically over the last few decades that older units are real money pits. It's almost always cheaper to toss out that second fridge and buy a single, larger unit, than to try and pay to keep two units running. Cut costs even more by keeping the fridge full, but not packed so tightly that air can't circulate.

1. 100 degrees
   120 degrees
2. 140 degrees

Most manufacturers set water heaters at 140 degrees Fahrenheit by default. Lowering the temperature to 120 degrees will save you 6 to 10 percent on water heating costs each year. Don't go any lower, however, as temperatures below 120 Fahrenheit increase the risk that harmful bacteria will grow.

1. $146
   $200
2. $289

The USDA offers four estimates to guide families on the cost of groceries for a pair of parents and two children. Thrifty families average $146 per week, while those with the most liberal budgets spend $289 per week. If you're spending towards the higher end of that range, you could easily save money without sacrificing nutrition with a little planning next time you shop.

1. $7
   $57
2. $507

CFLs use about one-fourth the energy of incandescsent bulbs. For each one you swap out, you'll save around $57 over the life of the bulb -- even after you figure in the higher purchase price for CFLs.

1. $400
   $4,000
2. $40,000

A low credit score can cost you big! The difference between a score of 760 and 680 is around $12,000 in interest over a 30-year mortgage on a $300,000 home. Someone with a credit score of 600 will pay an additional $40,000 on top of that. You may not be able to fix your credit immediately, but you can check your report annually and remedy any errors to avoid paying unnecessary interest.

1. a type of food
   a car part
2. a kind of insurance

PMI stands for private mortgage insurance, and if you put down less than 20 percent on your home, you're probably paying it! The good news is that once you build equity of 20 percent or more, you can probably cancel your PMI policy, but don't count on the bank or your insurance broker to let you know when that time comes. Instead, track home equity and determine for yourself when to inquire about canceling your policy.

1. 1 to 2 percent
   10 to 25 percent
2. 60 to 70 percent

Got extra stuff to store? Keep it away from your vehicle. Roof-mounted storage boxes cut fuel efficiency by 10 to 25 percent on the highway, and 2 to 8 percent on city streets.

1. $10
   $100
2. $1,000

Got a chimney? Unless you have a damper, it's letting lots of expensive heat out of your home when the fireplace is not in use. Add a simple chimney balloon to cut heating costs by $100 per year. Best of all, if you forget the balloon is there when you light a fire, it will simply deflate so smoke can safely escape.

1. cable box
   refrigerator
2. computer

Believe it or not, cable boxes tend to be the biggest energy hog in the home, using more electricity than major appliances like refrigerators. For best results, unplug your box when it's not in use, or add a power strip to easily switch off the box at night.