With the rising cost of living, having an energy-efficient home is becoming more and more important. Saving energy can begin with some very simple steps. Energy Starís Online Home Tutorial estimates that a typical family could save up to $140 annually by properly sealing leaks in the homeís duct system. Turning your water heater down to 120 degrees F and cleaning your refrigerator coils can also help. In the summer, reducing your energy bill can be as easy as closing the window curtains to reduce sun heat and opening windows on the shaded side. Following these easy steps and remembering to use water and electricity sparingly will help maximize your homeís energy efficiency. Any more ideas? Add them to the "Comments" section below.