Welcome to New England it's a common past time to see just how long you can wait to turn your heat on. With temeperatures in the morning hovering around 45 degrees many are caving. Since heating costs can take up a significant portion of your budget here are some things to consider:

Natural Gas: It appears prices are dropping due to an oversupply of inventory.

Oil: Do you lock in or not? That's hard to predict since prices at the gas stations have dropped in the last week.

Take advantage of the tax credit to add energy efficiency to your home that is older than 10 years old. Insulate and replace windows if needed.

Don't forget to get your furnaces serviced, there is nothing worse than having an issue in the dead of winter...

So.. how long are you going to wait or have you caved already? I'm still holding on..blankets and sweaters on hand.