Whenever possible, use your microwave instead of the oven. Microwaves use less than half the power of a conventional oven and cook food in about one-fourth the time. Ovens also heat up the kitchen, making your cooling system and refrigerator work harder.
If you’re refinancing an FHA loan, try to schedule the closing for as close to the end of the month as possible. Unlike conventional loans, on which lenders typically charge interest only up until the date the loan is repaid, the FHA charges interest through the end of the month, regardless of the payoff date. That means for the period between the time you close and the end of the month, you will be paying interest on your old loan and your new one.