Most of the tips in this list help you use less electricity. Solar is different: it changes where some of your electricity comes from. Panels tend to produce less during short winter days, so they are not a quick fix for a single cold month, but some homeowners find they help lower bills over the course of a full year.

Whether solar makes sense depends on factors such as your roof's direction and condition, how much shade it gets, your local electricity rates, how your utility credits extra power you send back to the grid, and what incentives are available in your area. Because these vary widely, one neighbor's experience may not match yours.

If you are curious, winter is a good time to research and gather quotes so you can plan ahead. Compare total cost, expected production, warranties, and whether you would buy, finance or lease the system. Review the contract carefully and consider talking with a tax professional about any incentives before you commit.