. . . . "According to Allegretti, you can also save money by running your clothes washer only on cold ($80 a year), installing a programmable thermostat ($80 a year), switching to paperless banking ($90 a year, on such things as checks and stamps), not idling your car for five minutes a day ($100 a year on gas), adjusting your thermostat so it???s two degrees higher in summer and two degrees lower in winte" .