Improve plantings around your house
"Most heat that accumulates inside a house comes directly from the sun shining on to the roof or through windows, and heating the house directly," says John Krigger, owner of Saturn Resource Management, which offers energy conservation training in Helena, Montana.
Planting leafy trees around the building's exterior will stop the sun from shining inside your home. "Even for the cost of going to the nursery and buying a 15- to 20-foot-tall tree, trees are still the best value," Krigger says.
If the trees or shrubs shade your air conditioner, you could increase your AC's efficiency by up to 10%, according to the U.S. Department of Energy.
RATE SEARCH: Shop today for a home equity line of credit.
Ken Brown/E+/Getty Images
Clothe your windows
Solar screens, or mesh-like window screens, intercept up to 70% of solar energy before it gets into the house, Krigger says. Window screens are particularly effective on east- and west-facing windows, according to the U.S. Department of Energy.
Window films are another option. They are transparent, metalized sheets that reflect heat before it can be transmitted through glass.
However, windows must be shut for window films to work, while solar screens do double duty, keeping sun and insects out -- even with windows open.
RATE SEARCH: Make your home more livable. Shop today for a home equity loan.
Tetra Images/Getty Images
Flip a switch
Go ahead, get comfortable. Lower your air conditioner's thermostat setting to 78 degrees Fahrenheit when you're at home. But let that number rise to a higher temperature at night or when you're not at home. You can save 5% to 15% on your air-conditioning bills by raising the temperature setting on your thermostat when you're away and don't need cooling, according to the Department of Energy.
RATE SEARCH: Make your home more liveable.
Busà Photography/MomentOpen/Getty Images
No need to invest in fancy fans. Krigger says the key is to circulate air inside the house. If possible, operate fans on your home's upper level and open the windows on a lower level. If you live in a one-story house or apartment, you should close windows near the fan and open windows in rooms far from the fan, preferably on your home's windward side, according to the U.S. Department of Energy.
Moving air also helps evaporate the sweat from your skin, says Paul Scheckel, an energy-efficiency consultant in Calais, Vermont, and author of "The Home Energy Diet."
RATE SEARCH: Time for home improvements? Compare offers for home equity loans.
"Evaporational cooling is an incredibly efficient process for removing heat, and our bodies do it all by themselves. A little help can increase the cooling effect," Scheckel says.
Perry Mastrovito / DesignPics/Getty Images
Chill in the basement
Camp out in your basement, says Stan Cox, author of "Losing Our Cool: Uncomfortable Truths About Our Air-Conditioned World (and Finding New Ways to Get Through the Summer)." In your eco-cooled basement, a TV, couch or futon, and a cold drink may be all you need.
However, Scheckel says don't open basement windows when outdoor air is heavy with humidity. "Warm, moist air will cause condensation on cool surfaces such as basement walls, ultimately increasing the humidity in your home," he says.
RATE SEARCH: Need to replace the AC or the roof? Shop today for a home equity line of credit.
Don't bake or cook on the stove
Skip the stove-top boiling and oven baking during hot spells, Cox says. Reduce indoor heat by making microwave nachos or eating a cool salad. If you must boil pasta for tomorrow's potluck, cook in the evening.
After cooking, turn on the kitchen exhaust, and turn on the bathroom exhaust fan after a hot shower. "Remove heat and moisture at the source," Scheckel says. "Reducing humidity can help increase comfort."
RATE SEARCH: Make your home better by getting a home equity loan today.
Steve Debenport/E+/Getty Images
Maintain or replace your AC
"AC efficiency is mostly a function of the technology," Scheckel says. "Keep the filter clean to allow for good air movement and keep the unit level so the condensation drains properly."
If you swap your older air conditioner for a newer unit, you could reduce your energy costs by half, according to the Department of Energy. Look for a high-energy-efficiency ratio, or EER, or an Energy Star-qualified unit. Higher EER ratings mean a more efficient air conditioner. Energy Star refers to a system adopted by the U.S. Environmental Protection Agency and Department of Energy to identify energy-efficient products.
RATE SEARCH: Invest in improving your home today with a home equity line of credit.
Tetra Images/Getty Images
Let humidity set your AC pace
Put the AC fan speed on high, except on especially humid days, says the U.S. Department of Energy. On humid days, place the speed on low. The slower air movement through the air-conditioning equipment removes more moisture from the air, improving comfort in your home.
RATE SEARCH: Time for home improvements? Compare offers for home equity credit lines.
Fernando Acuña / EyeEm/GettyImages
Splash in the bath
Step in the shower, spray yourself with a water bottle or use a cool cloth on the back of your neck. And if you don't chill out right away, don't give up, says Cox, the environmental writer and scientist. "Our comfort range depends on the temperatures we have experienced in recent days and weeks," he says. "The body and mind adjust to rising temperatures."
RATE SEARCH: Make your home better by getting a home equity loan now.