What are some energy saving tips?

I have recently been trying to chop back on unnecessary spending to keep our energy bills lower. I’m trying to save up for a modern motorcar at the end of the year and every little bit helps. One of the suggestions I consistently see on money saving guides- right after they say to stop spending $6 on a latte every morning (that has never been an issue for me)- is the recommendation that you chop down your heating and cooling bill. I assume the usual stuff, set your temperature control to 68 degrees in the winter, don’t run the central air conditioner too much in the summer, etc. I’m looking for big savings, but I’m not in a position to buy a modern oil furnace and central cooling system with a great SEER (Seasonal Energy Efficiency Ratio) rating- I consistently see that on the suggestions, although I don’t have the money for that right now and our modern oil furnace and central cooling system work great! I’m looking for cost-effective energy saving tips. Is there any sort of supplementary heating and cooling that I can install to make it a little smoother? Are there air filters or oil furnace filters that make airflow more efficient? I’m just looking to save some money. What about smart temperature controls? I keep seeing people explaining that their programmable temperature control has saved them a lot of money on their biweekly heating and cooling bill. Is there any truth to that? Do you have a smart temperature control? Are smart temperature controls easy to use? I appreciate any advice I can get! Thanks.

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