Snow storms are happening, it is winter time after all. (Yes really, already!) The temperature is plummeting, and heating bills are sky rocketing. Gas, oil, electric, and even buying wood for those wood stoves can get costly. You don’t want to go into debt so you are wearing long johns, wooly socks, flannels, sweats, and it is almost getting to the time to resort to mittens, scarves, and hats in the house. Stop! Don’t button one more button on that coat and halt that zipper on your ski suit.