 But this week's money tip, tech-savvy ways to save on your household budget. They say that you can save up to 10% a year on cooling and heating costs by just adjusting the thermostat for eight hours a day. So what you want to take a look at is a smart thermostat. Next up on our list is cutting the cord. Going to help you save some money there. You can also save money each month cut back on electricity usage, and that's where you want to look at an energy-saving surge protector.