Get ready to shell out more for your heating bills this winter. The Energy Information Administration, an arm of the U.S. Department of Energy, says heating bills are projected to average $100 to $300 more than last winter - and that's assuming we have a normal winter.

A higher energy demand triggered by colder weather and higher prices are to blame for the expected increase in cost. The EIA forecasts natural gas consumers to pay 19 percent more than last year. Heating oil is expected to take a 45 percent jump, and propane prices should go up some 22 percent.

Last year's winter was up to 20 percent warmer than normal, depending on the region, meaning demand for heating was lower than usual.

As you see energy prices rise, you'll likely see a parallel increase in the advertising of energy-saving products and services. The Federal Trade Commission warns that many of these claims are just plain bogus. The commission recently settled charges against marketers of a so-called "liquid siding" product that would yield significant utility cost reductions.

"Although good maintenance such as caulking and painting can reduce air leaks in older homes, consumers should be wary of coating or paint sellers that promise their product will perform like insulation or will significantly reduce utility bills," the commission said in a consumer alert issued earlier this month.

Avoid unsolicited door-to-door sales calls from contractors offering furnaces, windows, roofing, or other home improvement projects. Check out any contractor you are considering with the Better Business Bureau, state and local consumer protection officials, and your state licensing agency.

Meanwhile, the FCC recommends the following for staying warm and saving money this winter: