A few simple steps now can help you avoid big problems (and big bills) later.

1. CLEAN THE GUTTERS - Clogged gutters send water toward your foundation instead of away from it. Once cleaning before the leaves fully drop goes a long way.

2. SERVICE THE FURNACE - Replace the filter and schedule a tune-up now. Before you need it is always better than the day you turn it on and nothing happens. 

3. SEAL THE DRAFTS - Run your hand along door and window edges. Feel cold air? That's money leaving your house all winter.  Weatherstripping is cheap and takes an hour.

4. DRAIN OUTDOOR WATER LINES - Disconnect and store hoses.  Shut off exterior faucets from the valve inside.  A frozen pipe is one of the most expensive and preventable things that can…

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