NEW YORK (CNNMoney.com) -- Temperatures are hitting triple digits. And if you're one of those people sizzling in this heat wave, 5 Tips is going to show you how you can cool your home for less.

The refrigerator is one of the largest energy-sucking appliances in your home. In fact, it takes up about 20 percent of an average electric bill.

Fridges work better when they're full. So if you haven't stocked up on those groceries yet, fill up containers with water. This cuts down the empty space in your fridge so your refrigerator doesn't have to work so hard. Remember to keep your refrigerator away from other appliances so extra heat doesn't get into it when you open the doors.

As we suffer through this heat wave, it's the air conditioner you're longing for naturally. To get the most out of your machine, make sure you check your filters at least once a week to make sure they are not clogged with dirt, according to Ronnie Kweller of the Alliance to Save Energy.

If you live in an area where there is a lot of dust, or you have very furry pets, you'll want to be extra vigilant. Filters for central air conditioners only cost about $10 and you can get them at your local hardware store. You'll want to remove the filter from a window AC and run it under the faucet for cleaning.

Not only will you be able to cut down on that energy bill, but you'll be increasing the life of your AC. And that's a welcome relief to everyone!

Of course you may think padding your house would make it hotter, but adding insulation to your attic actually keeps the heat out. You can cut your energy costs by 20%, according to the Alliance to Save Energy. If you have less than 6 inches of insulation, or you have a home that's 5 to 10 years old, you may want to think about adding more insulation. Check out the Web site simplyinsulate.com to see how much you should add.

Don't forget that this year and next, you'll be eligible for federal tax credits of up to 10% of the cost of your insulation.

Not only can you stop the stares of peeping toms, but putting drapes on your window will help cool your home dramatically. Windows are one of the largest sources of heat gain in your home. Even shutters and blinds don't work as well.

Try to take advantage of cooler air by opening your windows in the evening. Trap all that cool air by closing the windows in the morning.

Some strategically placed greenery can save you $250 a year, according to the Alliance to Save Energy.

A 6-foot to 8-foot deciduous tree planted near your home will begin shading windows the first year. The tree will shade the roof in 5 to 10 years.

If you have an air conditioner, shading the unit can increase its efficiency by as much as 10%, according to the Department of Energy.

Deciduous trees should be planted to the south of your home to provide maximum summertime roof shading. Trees with crowns lower to the ground are better planted in the west.

_____________________________

Gerri's Mailbox: Got questions about your money? We want to hear them! Send e-mails to 5tips@cnn.com or click here - each week, we'll answer questions on CNN, Headline News and CNNMoney.com.