12 money tips from holiday 'experts'
Composer Irving Berlin penned the classic "White Christmas." Regardless of your holiday locale's climate, the song always conjures visions of a perfect blanket of crystalline holiday snow. Or conversely, cold, icy snow covering your drafty house and driving up the heating bills. Brrr! Heating and cooling account for 56 percent of the energy use in a typical American home, according to the Department of Energy. Save money on home heating with insulation or dialing back your home's water heater settings.
Source: Globe Photos Inc.