This week we’re sharing tips to cut your heating bill, how to spend a year-end bonus, and ways to find cheaper flights. Here’s what you need to know now.

As temperatures dip, many homeowners brace themselves for higher energy bills. Emily Lugg for Daily Finance explains that taking a proactive approach to energy efficiency can keep bills manageable this season.  To start, she suggests turning down the thermostat.  Each degree lower can cut the bill by 1 percent. She explains that you could save up to 30 percent on bills by covering drafty windows with a plastic sealer, placing towels under doors to reduce drafts and sealing air leaks.  In addition, she recommends changing furnace filters monthly, turning down the water heater, insulating the attic and basement and closing the chimney damper.

2015 has officially come to an end and for many this means end-of-year bonuses have been deposited. Instead of splurging with it right away, Charisse Jones for USA Today cautions employees to take a look at their entire financial landscape and shape how the bonus is spent around it. She recommends, in this order, paying off any credit card debt, directing money towards an emergency fund and maximizing contributions to retirement savings accounts. If there is still money left over, employees should enjoy it for themselves and splurge.  Jones explains that financial planning is about balance and you should feel happy about your bonus, not deprived.  After all, you earned it.

Planning for 2016 has kicked off and vacation and business trips are on the horizon. Catherine Alford for The Simple Dollar shares a few tips to ensure you find affordable flights and keep your travel expenses low. She recommends checking price comparison websites one to four months before the trip, then checking individual sites as some budget airlines aren’t always included. She suggests using a flight price monitoring software like Airfare Watchdog to alert you of price drops. She also stresses to be flexible with travel days because midweek flights can be $100 cheaper on average than weekends. Combining different methods can help you find the best deal for your next trip.

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