State and federal money is available to help low-income Missourians pay their heating bills this winter. Federal money is part of the LIHEAP program, and state money comes from the Utilicare program. The Missouri Department of Social Services Web site has more information on these programs.

Also, remember Missouri has a Cold Weather Rule, which protects consumers from having their heat shut off by utility companies on cold days. The Missouri Public Service Commission has tips for keeping your heating costs down here.