How much money would you save by cutting 10 percent off your heating bill?  A programable thermostat can knock 10 percent off your heating bill by automatically turning the temperature down at night and back up in the morning before you even wake up. Simply program the thermostat for a temperature 5 to 10 degrees lower than normal when you know you'll be under the covers -- and set it to come back up to the normal house temperature half an hour before you wake up. Your programable thermostat will do the rest.