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Swinger says another easy way to save money is to seek out the “energy vampires” in your house, also referred to as standby power. "We're talking about a cell phone charger that's plugged into the wall, but no phone is plugged in at the other end," Swinger said. "Or another small appliance that you might keep plugged in, that doesn't really need to be plugged in, but it is using energy to some degree. " He also says most Indiana natural gas and electric utilities offer budget billing programs, which all customers to pay specific amounts each month.