Winter’s coming, it’s getting cold, and heating oil remains expensive. What to do to save money and energy at home? This article gives some simple suggestions, many of which you may already know. What makes this article useful is that it presents estimates of how much each tip can save. And it’s realistic — rather than buying a new furnace, spring instead for a programmable thermostat. Replace your showerhead. Use CFL bulbs, wash clothes in cold water, and adjust your blinds smartly.