The winter cold is here as well as across the country with temperatures well below freezing. This week we wanted to share the 4th Quarter review, along with some ways to save on your heating bill and how to pack for mountain travel.

Real Estate update: Check out Gino's Market Update for the Q4 Market Update with Gino Blefari.

6 Ways to Save on Your Heating Bill This Winter - Whether you have an economical heat pump or a decades-old oil burner, you're probably looking for a way to cut your heating costs this winter. It's totally easy to keep warm (and on budget) with these expert tips:

You can't manage what you don't measure - The first step to managing your energy spending is inspecting it, says Josh Prigge, founder of Sustridge, a sustainability consulting firm in Las Vegas, Nevada. For most people, that means checking your electric bill. For others, it might mean calculating how many gallons of oil you've used (we see you Northeasterners) or how much you've spent each month on ancillary heating items (i.e. pellets for a pellet stove or wood for your fireplace.) Once you know where your money is going, you can come up with realistic use goals and monitor your progress against them.

Knowing your home's perfect temperature - To save money on your energy bills, set your thermostat to 65 degrees Fahrenheit. If that sounds a little too cold, being a little chilly may seem like a fair trade for all you'll save—that for every degree you lower your thermostat, you'll save approximately two percent of your overall heating bill.

Upgrade your technology - Affordable smart home devices can do wonders in reducing your overall energy use. A web-connected thermostat can be fiddled with from anywhere in the world, via your phone, which means you can lower your home's temperature after everyone has left for the day, says Steve Beeler, owner of RSC Heating and Air Conditioning. And don't forget to look for the Energy Star symbol on every home item you upgrade, from appliances to light bulbs. These use lower amounts of energy in the long term, which can mean lower bills (and more money in your pocket.)

Dodge those drafts - "Drafts are the largest source of heating and cooling loss in the home," says Mark Tyrol, the owner of Battic Door, a Mansfield, Massachusetts-based home energy conservation product company. Since warm air can escape and cold air can enter through poorly insulated areas, keeping them untouched is essentially like leaving your windows open all winter long.

Consider purchasing a cover for your house fan, a draft blocker for your dryer vent, a plug for your fireplace, and a cover for your attic stairs. Of course, cracks around your windows and doors, and pipes that run through exterior walls can leak your precious warm air out, too. Enter weatherstripping and added insulation: It can be as cheap as a rolled-up towel under a drafty door or a $13 window insulator kit.

Hot tip: Once your windows are well-insulated, consider keeping the curtains open to let the sunlight in. The added heat from the sunshine may have a big impact in small rooms.

Don't forget to winterize - Hate to break it to you, but summer is over. Though it may seem like an added headache to swap out your storm windows and remove those air conditioning units (or covering them up if they're permanently installed), these small steps can save you some money, says Jordana Viuker Brennan, founder of Confident Buildings, a New York-based energy-use consultancy.

Perform routine maintenance - The biggest heating cost? That emergency repair session after your unit goes kaput. But, just like your grandma says, an ounce of prevention is worth a pound of cure.

"If you invest 80 percent of the service work into preventative service, you will only need 20 percent or less in emergency work," says Dave Miller, the owner of South Carolina-based Superior Heating & Air.

Prevent the big messes with these small tasks: Replace your air filters every season (Miller suggests replacing them once a month to prevent the build up of particles in your heating system), have an HVAC specialist calibrate your thermostat, and occasionally pour a cap of bleach down your AC unit's drain line to prevent algae and other deposits from building up.

And remember: These steps save more than just costs—they could save your life as well. Regular maintenance of fuel-burning appliances (like your furnace, water heater, and clothes dryer), can prevent fires and carbon monoxide build-up, says Larry Oglesby, director of Remington College's HVAC program. Take the time this winter to make sure everything is property vented, so you can rest assured as you cozy up.

What to Pack for a Ski/Snowboarding Vacation by Ski Utah is a good reminder for us locals, but great to share with family and friends coming into town - Packing for a ski trip can be a challenge.  Most of the clothes are bulky and traveling with gear can be a hassle. Clothes make a difference between enjoying your trip and being miserable. For snow-play, leave the cotton at home and stick to wool or synthetic fabrics. Once cotton gets wet, from either sweat or snow, it won’t dry out, leaving you damp and cold.

In general, you want to pack pieces that can be mixed and matched to keep you warm and looking good. Mid layers are a good example of something you can wear on and off the slopes. However, you may want to pack separate base layers for snow sports and relaxing, because if you’re like me, the skiing set will get stinky during the day.

On the slopes

Base: Your base layer should be wool or synthetic. A mid- to heavy-weight is good depending on the rest of your gear. I wear a heavyweight Hot Chillys base with my ski pants and stayed toasty and warm without a mid layer. On top, I used a synthetic base plus a mid layer.

Mid: You may or may not need this layer depending on the rest of your gear. Fleece works well. On top, I use a zipped jacket or 1/4 zip that I can open when I get warm.

Outer: This includes your ski pants and jacket. Make sure this layer is waterproof, especially if you’re a beginning skier or rider, because you’ll spend a lot of time on your butt in the snow. Ski pants and jackets are insulated to varying degrees, which will influence which other layers you choose. My jacket isn’t insulated, so I really layer-up on top, sometimes using two light base layers and a mid layer underneath. My pants have some insulation built in so I only need the Hot Chillys bottoms.

If you don’t own, or want to pack, ski pants and coat, try using a rental service such as Jans.com. Simply order what you need online or stop in the store.

The important-small-stuff: In addition to your layers, on the slopes you’ll need gloves, ski goggles or sunglasses, a neck warmer such as a buff, cap, balaclava, or beanie that will fit under your helmet; and ski socks. Ski socks should be snuggly fitted and taller than regular socks making them a better choice with ski boots. Trust me; you don’t want socks bunching up inside of your ski boots, ouch! Hand and foot-warmers are a pleasure to have on really cold days. Buy them off the mountain for the best deal. Depending on the type of skiing you have planned, you may need a backpack and hydration options.

Off the slopes - You’ll be worn out by the end of the day, so pack some comfy clothes to relax in. Keep thinking in layers to give yourself more outfit options and save room. Again, they should include bases, mid-layers such as a snuggly fleece and an outer layer. The difference is that the outer layer doesn’t need to be waterproof and the other could include some cotton such as jeans.

Base: I like a thin bottom base, such as silk, under my pants. Sometimes I skip this and just wear one layer after hours if I won’t be outside much.

Mid: This is the piece you’ll likely wear the most, so choose something that will pair well with all of your outfits and that fits comfortably. There are so many sharp looking options available, it may be hard to choose just one, but for the sake of space, try.

Outer: This can be any stylish coat, sized to fit a couple of layers underneath. By using layers, you can avoid packing your biggest, most bulky coat. Pick something that is wind and rain resistant for the most versatility.

The important-small-stuff: Gloves, scarves and caps will round out your outfits without taking up much space. Make sure you pack some waterproof boots that can take a tromp through the snow. Sorel makes a bunch of options that get the job done while looking good. I didn’t feel like a Salt Lake City local until I owned a pair. Then I found out they make all-rubber high-heels, not my grandma’s idea of practical snow boots, but they rock!

And don’t forget… Pack all of your usual travel items such as toiletries, undergarments, swimsuit, and maybe some sweats for the hotel room. A few more items you shouldn’t forget: sunscreen, snacks, and lip balm with sunscreen. Sunscreen is very important due to the high elevation and reflection up from the snow. Make sure you protect your face and lips well.

Carry On - In a perfect world, there wouldn't be a need for stores that sell lost luggage...but bags DO get lost, treating travelers to an uncomfortable arrival. But you can plan for the worst. Pack a day's worth of basics in your carry on. First, pack any prescriptions or supplies that would be a disaster to go without. Next, pack a change of clothes, base layers, ski socks, water-resistant boots, coat, gloves, and cap. With this much, you could rent everything else you would need to ski/ride, plus be comfortable off the slopes until your bags catch up.

What about gear? You have a few options for gear. It can be a hassle to check your board, skis or poles on the airline for a short trip, so you might want to rent them. However, boots are an important piece that I would go ahead and pack. I’d also prefer my own helmet, which doesn’t take much space if you stuff it full of other items such as gloves and beanies.

Do research on rentals ahead of time, there are rental options both on and off the mountain that may even give you the chance to demo some new gear you’ve wanted to try. Some will even give you a discount for reserving online in advance. Short on time? Have all of your rentals delivered so you can get on the snow faster. Both Ski Butlers and Ski 'N See Delivery will bring gear directly to you.

If all of these new clothes and accessories sound expensive, read my post: Dressing for cold weather travel on a budget. Don’t be the person who shows up in jeans and ends up miserable two hours into the lesson. Make time to “beg, borrow or steal” some decent clothes so you can focus on learning to ski, not trying to stay warm and dry.