In the Texas Panhandle, where summer heatwaves and triple-digit temperatures are common, air conditioning isn’t a luxury—it’s a necessity. But that constant cooling can put a serious dent in your budget. Fortunately, there are smart and effective ways to save money on air conditioning while still keeping a cool home.
How to Save Money on Air Conditioning
Summer in the Panhandle can be hot, windy, and dry one day and humid the next. These tips are designed to help you manage your air conditioning costs efficiently and maintain comfort throughout the season.
1. Adjust Your Thermostat Settings
Set your thermostat to 78°F when you’re home and awake, and raise it when you’re away or asleep. With wide temperature swings in places like Amarillo or Canyon, a smart thermostat can adapt automatically. This is one of the most effective ways to save money on air conditioning without losing comfort.
2. Keep Up With AC Maintenance
Texas dust storms and strong winds can clog filters quickly. Replace them every 1–2 months during peak season, and schedule annual tune-ups to keep your system working efficiently and avoid rising air conditioning costs.
3. Improve Home Insulation
Many older homes in the Panhandle have drafty windows and under-insulated attics. Sealing air leaks and adding insulation helps keep cold air in. Reflective window film or blackout curtains can also block heat and help you maintain a cool home.
4. Use Fans Strategically
Fans are a great AC alternative. Ceiling fans, box fans, and whole-house fans circulate air and can make rooms feel cooler. In homes with high ceilings or open layouts, this makes a noticeable difference.
5. Block Out the Heat
Sunlight heating your home through windows can raise indoor temperatures fast. Keep blinds and curtains closed during peak sunlight hours. In places like Borger or Hereford, solar screens or insulated curtains can be an affordable way to reduce air conditioning costs.
6. Avoid Heat-Producing Activities During the Day
Running ovens, dryers, or dishwashers during the day adds unwanted heat. Cook outside when possible or use smaller appliances. Shifting household chores to the evening also helps maintain a cool home.
7. Upgrade to Energy-Efficient Equipment
Older AC units often use more power than necessary. ENERGY STAR® models are more efficient and cost less to operate. Many Texas utility providers offer rebates that can help reduce upfront costs and help you save money on air conditioning over time.
8. Get a Home Energy Audit
A home energy audit can pinpoint areas where your home is losing energy. Many Panhandle utility companies offer these at reduced rates or even for free. The audit results can help you improve efficiency and lower your air conditioning costs.
What to Do With the Money You Save
Cutting back on your AC costs isn’t just about lowering bills—it’s about creating new financial opportunities. As your local credit union, we encourage you to make the most of those savings:
- Boost your emergency fund in a high-yield savings account to stay prepared for unexpected expenses like storm damage or car repairs.
- Pay down high-interest debt to free up even more of your monthly budget.
- Start a savings goal for home improvements, vacations, or back-to-school expenses—automated savings tools can help make it effortless.
- Open a certificate of deposit (CD) to grow your money with guaranteed returns.
- Invest in your future by contributing to a retirement account or exploring the low-risk investment options we offer.
Even small monthly savings from your energy bill can build financial resilience over time. Let us help you put that money to work with accounts and resources designed for long-term stability and growth.
Turn Energy Savings Into Financial Growth With TPFCU
Cutting your AC costs is just the beginning—what you do with those savings can make a big difference. At The People’s Federal Credit Union, we offer a range of smart options to help you grow your money, including high-yield savings accounts, retirement accounts, and IRA share certificates with competitive rates.
Membership is open to citizens who live, work, or worship in Canyon, Childress, Hereford, parts of Amarillo, and Deaf Smith County.
Join TPFCU and discover how local savings can lead to a stronger financial future.