As fuel, groceries, and utilities costs increase, many homeowners consider ways to reduce expenses and save more. They examine their budgets, cut extraneous streaming services, turn off more lights, and evaluate their cell phone package. They may even consider putting their spa on hiatus to save money on their electric bill. On the surface, this seems like a wise choice. It makes sense to cut out luxuries. However, the question you should ask is, “Do I want to give up…