10.21.26 Winter Heating Costs / Supermarket Price Update

Winter heating bills won’t be pretty, especially in markets that rely on oil for heat. What can you do now to prepare? Taking control of monthly expenses comes down to knowing where the real price traps are hiding. Clark unpacks the latest updates on winter heating trends and shifting food prices to help you make smarter financial decisions. First, discover why home heating oil prices are squeezing homeowners, how steady natural gas supplies are offering relief, and why simple home fixes can keep your home warm without breaking the bank. Then, Clark exposes what is really happening behind the scenes at the supermarket. While store-brand basics and produce are becoming more affordable, brand-name junk food and processed snacks climb in price as manufacturers test how much shoppers are willing to pay. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the October 21, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Winter Heating: Segment 1 Ask Clark: Segment 2 Grocery Price Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Save Money on Utilities - Clark Howard 10 Ways To Lower Your Heating Bill - Clark Howard Energy Advice for Owners of Older and Historic Homes Is a Costco Executive Membership Worth It? - Clark Howard These 4 Credit Cards Maximize Costco Purchases in 2026 United's Credit Card Is Most Expensive Airline Card: Is It Worth It? Best Airline Credit Cards for 2026: Are They Right For You? What Credit Card Should I Get – Find Your Perfect Credit Card (free Clark.com tool) Robinhood Touts $3,000 in Annual Benefits for New Platinum Credit Card How to Save Money on Groceries: 22 Clever Ways - Clark Howard 10 Ways You're Wasting Money on Groceries - Clark Howard Clark’s Secrets to Beating Sky-High Airfares and New Hidden Fees SkyScanner.com How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Clark.com resources: Episode transcripts Community. Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

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• 1:05Speaker 05

  I'm so glad to welcome you here to the Clark Howard Show. You know, our mission is to serve you with advice and information that empowers you so you make better financial decisions in your life. And there's something scary coming our way soon, and I'm not talking about Halloween. Winter heating bills are gonna be ugly for a lot of Americans. And this is especially a problem in the Northeast and New England, where so many people rely on a product that a lot of people from elsewhere in America aren't familiar with: home heating oil. So what can you do to prepare?

• 1:49Speaker 05

  I have some ideas for you. And later, we all buy groceries, and I have some updates for you on how to save money when food manufacturers right now are bragging to Wall Street that they're raising prices. Yeah, that's what they're bragging about to them while they're telling you, "Sale, sale, sale." Okay, we're gonna talk about that later. So, winter is one of those things you feel like there's nothing you can do about it, what it's going to do about your bills. But that is only partially true.

• 2:31Speaker 05

  So, there are things you can do. And I was mentioning earlier, the home heating oil thing is gonna be really, really ugly. So, for people in New England, particularly, even more than places in the Northeast, because how much longer and colder winter can be in New England, it creates really stark choices. What are you gonna do? Are you just gonna freeze? Are you not gonna be able to pay your bills? You're not gonna be able to fill your tank for it? I mean, this is hard stuff. And so, I wanna mention something I've not mentioned since the last time that home heating

• 3:15Speaker 05

  oil prices went crazy. And that is for you to consider buying one of these, very safe now, used to not be, zone heating space heaters. Just plug in little portable heaters that the room you're in, you stay warm with electric heat, and elsewhere, you keep the temperatures cooler than you would have in the past. Doing zone heating is something that's done in much of the world, but has never really been a thing in the United States, where people only heat where they actually are

• 4:00Speaker 05

  at that time. And space heaters used to cause these horrific tragic fires. Now, modern space heaters design so much safer, they're cheap to run, they pull very small amounts of energy, electricity, and they can be a meaningful alternative for you if you're in an area with home heating oil. And then regardless of what you heat with, the reality here, the things I talk about every fall are things that matter, and that is caulking, weather stripping, having proper insulation in your house.

• 4:42Speaker 05

  In New England, you gotta be really careful with an older house, how you insulate, because a lot of insulation will not necessarily work well. This is something that you control what you can control. And for most people in America who use natural gas, we are in a position with natural gas that the prices are not crazy high this year for natural gas. There's been so much new supply that's come on that natural gas is not going to be an ugly number.

• 5:21Speaker 05

  And so, that is a bit of relief from higher energy bills in winter for a lot of people in the country that do heat with natural gas. But even then, taking simple precautions that will lower the cost of your bills, great. And the thing that I like for people to do is use an automatic thermostat, that if you work a reliable schedule, you know, you have the thermostat set to where it automatically lowers how much heat it generates when you're not there, and then comes back on at a reasonable time before you're getting home from your workday.

• 6:06Speaker 05

  A lot of families with kids, this is more difficult to time, but if you have a smart thermostat, it learns your patterns well enough to save you money. But a lot of the things you can do is about you being active and reducing the need for energy in your house by making it more efficient. And these things don't necessarily have to be expensive. Krista?

• 6:35Speaker 06

  Okay, this question came in for you from Taylor in Georgia. Is there an honest company that can help make our 100-year-old home more energy efficient? It's only about 2,500 square feet, but our power bill last month was almost $600.

• 6:50Speaker 05

  Whoa.

• 6:51Speaker 06

  I know. I had a company add insulation to our attic a few years ago, but I think that was a scam because I saw no change in energy usage. Thanks for any pointers, Clark.

• 7:02Speaker 05

  So, Taylor, first of all, I don't know what kind of insulation you had put in. I alluded to this just a minute ago about older homes. The proper way to make them more energy efficient is different than homes that have been built in, let's say, the last 50 years. And so, particularly with one 100 years plus, it's a whole different mix of things you have to do. And you have to be careful with a much older home, because the methods of construction were so different that typical insulation company, things they do may actually cause a moisture problem in a home that's a really old home, because how different construction

• 7:47Speaker 05

  may have been, Taylor, 100 years ago. The EPA has a guide I've recommended before to people who are owners of older homes, and can we put that link?

• 8:01Speaker 06

  We'll put that in the episode description. Yeah, so if you look at the description, either on YouTube or wherever you're listening, you should see that link.

• 8:08Speaker 05

  All right, so, Taylor, before you do anything, read the briefing. It'll give you a much better guide. And regardless of the age of your home, in most states, utilities or a third party are required to do low or free-cost home energy audits, and those are really useful because they're being done by the equivalent of a neutral party telling you where the air is escaping in your home. And there's a test, that's a standard test that you might have to pay for, called a blower door test, and it will find where the leaks are in your home, and will figure

• 8:53Speaker 05

  out where it's most important that you do things to improve the energy efficiency of your home.

• 9:00Speaker 06

  Joan in Ohio says, "Which is better in terms of saving money and convenience? A Costco executive membership or a United Airlines Mileage Plus credit card? I fly once or twice a year."

• 9:13Speaker 05

  Okay, so, the executive membership, you have to charge, you have to buy at Costco a little less than $3,500 a year before you made up the 65 extra dollars that you're paying for the executive membership. And so, you need to think through, and Costco, you can see right on your membership portal, how much you tend to spend in Costco per month, per year, and you can make a decision whether having the executive membership is great for you. But whether you stay, what's the base called, Gold Star, I guess? Or executive?

• 9:56Speaker 05

  Get the free Costco Visa card, because that one pays off, because you get 3% cash back at restaurants, for travel, you get 2% cash back for shopping at Costco, you get 5% cash back on gasoline, and there are similar kind of things if you're a Sam's Club member, having the Sam's Club MasterCard as well. So, the United Airlines card is, I'm trying to remember if it's, if theirs is $95.99 a year, or if it's more.

• 10:34Speaker 05

  If you check bags, it's worth having that card for two trips a year, because that's four baggage fees. If you don't tend to check a bag, and you're only flying once or twice a year, nah.

• 10:52Speaker 06

  So it's really hard to choose between those two, because they're for different purposes, totally.

• 10:56Speaker 05

  Right, completely different purposes, but, I mean, you know, it's possible that Joan's trying to think, "Well, how can I get some free travel in United?"

• 11:04Speaker 06

  True.

• 11:05Speaker 05

  Unless you, unless you charge a bunch on an airline card, you're not taking that free trip to Hawaii, to Europe, or wherever. I mean, you might be able to go from Chicago to Cincinnati on a free ticket, something like that. It's just, it's not...

• 11:29Speaker 05

  The airline cards do not reward people who don't charge a lot and fly a lot.

• 11:38Speaker 06

  Connor in Connecticut says, I've been listening since my mid twenties and I'll be 40 next year. Thank you for making me both the most boring and most interesting person in the room.

• 11:49Speaker 05

  Join me as being, see, I say I'm the world's most boring person and you're trying to hone in on my territory?

• 11:55Speaker 06

  Well, he said, and most interesting, which I think is you as well. All right. And you're not boring ever. You're not, you're wrong about that part.

• 12:03Speaker 05

  That was a true statement.

• 12:04Speaker 06

  Oh my gosh, it's not true at all.

• 12:06Speaker 05

  It was true.

• 12:07Speaker 06

  I've never found you boring. Okay. My question is, why you're not Gaga over Robin Hood? Their 3% back on everything credit card, along with the 3.35% interest on uninvested cash, 3% IRA match, and countless other benefits is a financial boon for a mere $50 a year. I've used Robin Hood since 2016 and it keeps getting better. Robin Hood shouldn't be mentioned among Clark's three favorite children, but instead be Clark's lone favorite child.

• 12:37Speaker 05

  Okay. So let's have a conversation here, Connor. So I have talked about, for people that go all in with Robin Hood, how great it is to have the $50 a year membership, have the credit card, get the IRA match and all that. What's my problem with Robin Hood? Robin Hood is geared towards people who are trading individual stocks. That is not my game. My game is broad index funds or exchange traded funds. I want people to be dull like me. I invest in a dull way and I'm going to have all this money to live a dull life when I

• 13:22Speaker 05

  retire, whenever that is, when I'm 304 years old. Anyway, Robin Hood is for a different kind of investor and not my kind of thought process about how to invest because I'm not an individual stock person. That's just not my thing. How's that for an explanation?

• 13:44Speaker 06

  I like it.

• 13:45Speaker 05

  All right. And I wonder, should that have been a Clark stinks instead of?

• 13:50Speaker 06

  Maybe.

• 13:51Speaker 05

  I think that was right on the edge.

• 13:53Speaker 06

  On the cusp.

• 13:54Speaker 05

  Yeah. All right. Coming up ahead, you know what stinks is food manufacturers bragging about price increases they're passing on to you.

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• 17:40Speaker 05

  This is such a confusing time for buying groceries. I mean, just crazy weird because on the good side, in spite of the terrible grocery price inflation we've had for seven years now, a lot of grocery items are being priced well now. Here's an item that I eat one to two apples a day. I do it because I love apples and they're apparently good for my cholesterol. So there. And apples, the ones I buy are getting cheaper and cheaper

• 18:21Speaker 05

  and cheaper. And I'm not buying the cheapest apples because I'm obsessed with Honeycrisp and what's the other one like that? Anyway, there are two different kinds like that. I really like the taste of. And the prices keep getting better if you're watching the sales. A lot of food items you have to buy actually have come down some in price. Walmart has used the, when Supreme Court ruled tariffs illegal, at least one set of tariffs, and

• 18:59Speaker 05

  the money came back, Walmart used billions of that to lower key grocery items that are have-tos, not want-tos. But what's happening the other side of this? Packaged food manufacturers who sell things that are want-tos, not have-tos, have decided, you know what? We're not benefiting from lower prices. In fact, I made a big fuss much earlier this year when Pepsi lowered the cost of all the Frito-Lay stuff, all the snacks, because they're dominant in the

• 19:40Speaker 05

  snack aisle, and then the Pepsi products, they lowered the price of them. They didn't see any real benefit in increased sales and they just made less money from them. So now they went to Wall Street and they said, look at us, we're raising prices. Because those items turned out very heavily to be price and elastic. Apparently, when you have to have Doritos, you have to have Doritos, no matter what they cost. And so there is a distinction you'll notice in the supermarket that items that have a lot of middle player markup, like all packaged goods.

• 20:26Speaker 05

  That they are testing prices all different ways and finding a lot of times that if it's a snack or a cookie or soft drink or something like that, or soda, or pop, whatever you like to call Coke and Pepsi, that the price is not going to determine people buying it or not. If they like buying Coke Zero, they're going to buy Coke Zero, even if it's more expensive. If they're going to buy Pepsi, they're going to buy Pepsi, even if it's more money. And certainly with chips and cookies and snacks, the prices are getting uglier. So this is an opportunity for you to eat more fresh,

• 21:11Speaker 05

  healthy, good-for-you things. Yeah, I said it. The one who was always called by his family, the carryout kid. I'm saying, you want to save money, buy those healthier items. Krista?

• 21:26Speaker 06

  Okay, let's go to questions. James in Wisconsin says, "I'm wondering if you could explain your audience asymmetric price transmission."

• 21:35Speaker 05

  I sure can.

• 21:37Speaker 06

  Explain to your audience Rockets/Feathers, and address why nobody complains about local, regional, and national retailers making the huge profit from the spread. Everyone blames the evil oil companies.

• 21:50Speaker 05

  Okay, so what James is referring to, which is known as the Rocket and Feathers. So when gasoline prices go up, they go up in a nanosecond. When the cost of oil goes up, the price at the pump flies up, Rocket. But then when the cost of oil coming out of the ground goes down, it's really, really a slow process down, which is why the economic theory is Feather. So a lot of times with cost of goods, whatever the good is going up, the owner of a company was able to get that higher price.

• 22:35Speaker 05

  And then when their cost of goods comes down, they are reluctant to cut prices. They want to make that extra profit. And so it's not just the oil companies. But that's the one we all see, because you drive down the road and you see the price on the sign. So you know that right away. And that's why gasoline prices, more than most anything else, is what people feel is the indicator of inflation. But yeah, it is true that prices rocket up and only slowly come back down. And we see that with anything we buy.

• 23:20Speaker 05

  Think about automakers. Automakers got so spoiled by the COVID shortages of cars that here we are, years and years and years later, and they decided they would rather make fewer cars and sell more expensive ones and make a nice profit on each one, instead of selling a wide variety of price points. So yeah, that is not only a theory, it's fact.

• 23:49Speaker 06

  I like that, Rockets and Feathers. Martha in Oregon says, "I'm going to be traveling to England in the spring of 2027. This will be my first time in Europe and the UK. I have the Citi Costco credit card, because years ago you said if you don't travel a lot, to use a cash back card, which has been great for us. Usually around $1,300 to $1,500 cash back every year."

• 24:11Speaker 05

  Wow, wow. Wouldn't you like to have that?

• 24:15Speaker 06

  For sure.

• 24:16Speaker 05

  Costco check.

• 24:17Speaker 06

  That means you've spent a lot of money.

• 24:19Speaker 05

  Yeah, but that shows the beauty of cash back versus getting points in some program.

• 24:26Speaker 06

  When you're using it right, which I'm sure Martha is.

• 24:28Speaker 05

  And especially do not waste your time with a hotel-based credit card. Oh, man, having one of the Hilton cards or Marriott cards, you just don't like your money much.

• 24:42Speaker 06

  I also have the Atmos card, since when we do fly, we take Alaska Airlines about 90% of the time. Now that I'm planning to head across the Atlantic, should I get one of the cards that are better for travel points and benefits, or just use what I have and bank points on Atmos, since they do partner with other airlines? Also, how many weeks or months ahead should we book our flights? I'm going with my walking buddies, and we are doing a hiking trip in England, an end-to-end hike in the Cotswolds. Thank you so much for all your great advice. And P.S., my husband and I have used your retirement calculator, and that helped us decide when it's time to cut the cord and retire.

• 25:20Speaker 05

  All right.

• 25:21Speaker 06

  I want you to take me with you. That sounds so wonderful, hiking trip with your buddies. Oh, that sounds great, your friends.

• 25:28Speaker 05

  So for international tickets, knowing the right time to buy is a certain amount of using the predictive analysis you see at Hopper, or Skyscanner, or Google Flights, or whatever. Because where with domestic tickets, it's pretty clear that you want to buy a ticket two to four months out, somewhere in that time period to get the best deal. Maybe sometimes people would say 40 days to 120 days out for domestic. International, the fares are just so, they don't follow the same tighter window.

• 26:11Speaker 05

  So you could find a great international fare six months out. You could also find a great one two weeks out. You just don't know. But probably on average, you're going to find your best deal for an international ticket about three months out. But that's just throwing, almost throwing darts at a dartboard. So set up fare alerts for the trip. You said you're going to the UK and elsewhere in Europe. So you could fly wherever a deal is. So you could put up alerts for several different airports in Europe to see what's up. Also, since you are loyal to Alaska,

• 26:55Speaker 05

  Alaska Airlines is adding new international routes steadily. And when they offer a new one, they tend to offer an introductory special, and other airlines match it. And Delta Airlines hates Alaska. Not the state, but they hate the airline. And so anytime Alaska does something, Delta comes behind them and tries to hurt them. So your deal could end up being on Delta instead of Alaska Airlines, just to try to hurt their expansions. But having the Atmos card, since that's who you fly a lot, that's a good choice. I wouldn't, I wouldn't necessarily get

• 27:39Speaker 05

  a general-purpose credit card, since you are pretty baked in on Alaska. And have a great time. Now, when you're in Europe, you've got to get in the habit of using tap to pay before you go, because the systems in Europe are set up not for physical credit cards, necessarily a lot of places. They're set up for paying with your iPhone or your Android. And so you just add, if you haven't done so, add it to Apple Pay or Google Wallet, add your cards, and then you're just going to tap to pay everywhere you go.

• 28:17Speaker 06

  Andrew in Florida says, "I just found out that three months ago, someone opened a corporation using my name and home address."

• 28:25Speaker 05

  Come on.

• 28:27Speaker 06

  "I notified the state of Florida Division of Corporations about probable fraud via notarized letter. My credit has been frozen long ago. My credit score has not changed. Is there anything else I should do? And what are they trying to achieve?" I don't remember us ever having this question before.

• 28:43Speaker 05

  No. First question I got to ask Andrew, did the Florida Division of Corporations answer your notarized letter? If they didn't, it may have gone in the circular file. You need to make sure they're aware that this was a fraudulent creation of a corporation. Somebody is trafficking in your identity for corporate purposes, and you could end up at some point being sued by someone, whatever. That's why you need the state of Florida to invalidate that incorporation. If all you did was give them a notification and they did nothing,

• 29:27Speaker 05

  you're not really any better off than you were before. I think that you have to assume that somebody is up to no good. Why else would they do this? And that you're the one who would suffer, you're the if then. You suffer the consequences of whatever mischief they're up to. And that's why you've got to be more active about this. And if you find out more, Andrew, please let us know. I'd be really curious, because we've heard over and over through the years, people using somebody's social security number for all different reasons that are not good for you. But never.

• 30:09Speaker 06

  I wonder if, do you need a social security number to get a corporation? And then you get an EIN?

• 30:14Speaker 05

  No, no, you can, you can.

• 30:15Speaker 06

  You can do it without? Because I was going to say, like, I would be worried. I might, I don't know if you can contact the IRS just to let them know in case someone.

• 30:22Speaker 05

  No, that, that's not.

• 30:24Speaker 06

  Maybe they'd file a fake, like.

• 30:26Speaker 05

  No, so if they set up a corporation, they could, they would seek then from the IRS, an EIN. So that would then give them a number to use for who knows what, who knows what's up. I mean, we're, I can't even speculate here what they're up to. But Andrew, you should be particularly aware of mail that starts coming to your address for this corporate entity. What kind of things are coming? Because that will help you have a better understanding of what the individual who paid to establish this corporation is trying to do that could ultimately come back to be a problem for you.

• 31:08Speaker 06

  And if someone's experienced this, fill out the form at Clark.com/ask and let us know if you know why.

• 31:14Speaker 05

  Well, I mean, who will likely hear from are lawyers who are aware why a criminal would do this.

• 31:21Speaker 06

  Right, but if it's happened to somebody.

• 31:22Speaker 05

  Right, that would be great, too. So what an unusual thing to end today's podcast with.

• 31:31Speaker 06

  Good thing your credit's frozen, that's awesome.

• 31:33Speaker 05

  Yeah, yeah. And by the way, if you haven't frozen your credit yet, what are you waiting for?

• 31:39Speaker 06

  This is your sign.

• 31:41Speaker 05

  No, there's always signs. The sun came up today. The sun went down today. You're breathing. Any reason you're still existing on this earth, you need to put a credit freeze in place because so much of what happens that becomes hard to fix starts with people not having a credit freeze.

• 32:01Speaker 06

  When somebody has a baby, Clark goes to the hospital, visits them and asks if they froze the baby's credit yet. And if they started a Roth IRA.

• 32:09Speaker 05

  No, no, definitely if you started the Roth IRA. I mean, you don't have that baby working yet. That baby's six weeks old.

• 32:18Speaker 06

  That baby's adorable. Get that baby modeling.

• 32:20Speaker 05

  Get that baby a job. Do something. Anyway, let us hear back from you.

• 32:26Speaker 06

  It is great that his credit was frozen.

• 32:28Speaker 05

  So, our next podcast.

• 32:30Speaker 06

  Oh, yeah.

• 32:31Speaker 05

  Clark Stinks comes your way Friday, where you get to hear where I gave incomplete, lame, or whatever advice you felt was wrong. I need to hear from you. And that's what Clark Stinks is about. And that will be coming your way on Friday. And I hope you have a great rest of your day. Empower yourself every day. Keep those eyes and ears open. Learn what you can. And by the way, we help you with our free newsletters that will nudge you to make better financial decisions, to help you with ways to save money each and every day. You want to get one of our free newsletters, go to Clark.com/newsletter

• 33:16Speaker 05

  or newsletters, both get you there. They're free. And it's all about you learning ways to save more, spend less, and avoid getting ripped off. And we'll see you on Friday.

• 33:32Speaker 07

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