Where George Scott sees red, his clients are bleeding green. Scanning the outside of a ranch home in Longmont, Colo., recently, the energy auditor’s infrared camera registered blue and aqua in spots where heated air stayed put. That’s what the homeowner expected. “He thought he’d done everything right,” Scott says, because he had tackled obvious stuff like adding insulation. “But he was baffled by his high gas bills.” When the camera scanned the attic, the viewfinder found orange and red blobs where air gushed by the chimney, 20 recessed lights and two uninsulated hatches. After the inspection, the homeowner plugged those leaks with about $50 in caulk, sheetmetal and spray foam insulation, Scott says. “I estimate his gas use will drop 300 therms, or about $300, this winter.”But you don’t need an infrared camera to reveal utility-bill busters that are left after the obvious stuff is done. You need the right point of view. Big energy leaks are often hiding in plain sight, and many of them are easy to fix—you may not even need tools. Here’s how to get started.

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Thanks for the links with
Thanks for the links with all the tips, but for those who still need help, I found this site which gave some ways and programs that help save on heating and utility bills. Help is provided both from the gov't and utility companies themselves.
http://www.helppayingutilitybills.com
Paying Utility Bills
Thank you John for the great comment and helpful input. I am sure many can benefit from this knowledge and the helpful link you have provided.