You may wish to consider replacing your air conditioning or heating system if it is old, inefficient or in need have repair. Today's systems are as much as 60% more efficient than those systems manufactured as little as ten years ago. In addition, if not properly maintained, wear and tear on a system can reduce the actual or realized efficiency of the system. If you are concerned about utility bills or are faced with an expensive repair, you may want to consider replacing your system rather than enduring another costly season or paying to replace an expensive component. The utility cost savings of a new unit may provide an attractive return on your investment. If you plan on financing the purchase, the monthly savings on your utility bill should be considered when determining the actual monthly cost of replacing a system. The offsetting savings may permit you to purchase a more efficient system.