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Four out of 10 consumers are worried about money or the economy this holiday season, according to a poll by the Consumer Reports National Research Center. As a result, many are cutting back on gifts, travel and decorations. But here’s an idea for a gift that keeps on giving: 12 energy retro-fits that quickly pay for themselves and that will save you money well after the holidays have come and gone.

Use an Incense Stick to Spot Air Leaks

Turn on your home’s exhaust fans (or wait for a windy day) and hold an incense stick near your windows, doors, and electrical outlets. If the smoke blows sideways, you’ve got a leak that should be plugged with weatherstripping, caulk, or expandable foam. The incense trick can slash your energy bills by hundreds each year while chasing away the chills.

Check Furnace Filters

Do it once a month during the heating system to keep your system at peak efficiency. Vacuum and wash reusable filters. And replace disposable filters; new ones cost about $25—much smarter than shivering and paying a pro $200 to $300 if a clogged filter shuts down your heat.

consumerreports.org/photo: furnacefilters.com

More Ways to Save:

http://finance.yahoo.com/news/12-low-cost-ways-to-save-energy%E2%80%94and-money%E2%80%94now-.html