You are right there! I put in a couple feet of insulation last spring, so hopefully that will help with my natural gas bill. CU does have pretty cheap electricity, but I bet it would still be cheaper to kick up the gas furnace. Of course, OP might have an electric furnace!

I’ve worked in renewable energy for over a decade and I’ve seen thousands of utility bills. The number one thing that you can do is weatherization and insulation. CPO can help w/ costs. After that, get a quote for Solar. If your credit score is above 650, you’ll qualify and reduce your bills by another 20 to 25% (until it’s paid off… And then it’s free).