Kurangi penggunaan listrik. Pertimbangkan untuk menurunkan tingkat layanan. Belilah mobil yang "tahan banting" dan hemat bensin. Atur ulang KPR Anda.

Given the above summary, write a detailed text in English for it.
Electricity is often a large monthly expense. Do both your wallet and the environment a favor and cut back on your home's energy use.  Seal cracks in your home to better insulate it and reduce the need for heating and air conditioning. Set your thermostat to a higher temperature in the summer and a lower one in the winter. Unplug appliances when not in use and remember to turn off the lights. Change your computer's settings so that it enters a very low-consumption "hibernate" mode when you're not using it. When buying new appliances, go with ones that have energy-saving features. Shop around for a different service provider for your insurance, phone, and Internet. There may be new, better offers from carriers that have been introduced since you first started your plan. Evaluate whether your current service or coverage level is still right for you. Also, try to negotiate with your current provider for a lower rate. If you mention your intention to switch to a competitor, they may be more likely to give you a better offer. If you are looking to buy a new vehicle, make sure your purchase has high value. Buy a model known to last a long time with low maintenance costs. You will also immediately begin to save money with a car that has better gas mileage, especially if you commute via car to work. If your credit rating has improved since buying a home, it may make sense to refinance your mortgage. Because many homeowners find their credit getting better over time, they may qualify for a lower interest rate than they did a few years earlier. Refinancing can result in lower monthly payments and/or less money going towards interest. Consult your mortgage company to figure out if refinancing is right for you.