Insulation

Keep your home insulated to minimize heating and AC costs.

There's no getting around it: If your house is in a cold climate, keeping it warm in winter is expensive. The Department of Energy predicts that prices for natural gas and heating oil will rise again this winter compared with last—and that's after a year in which heating-oil prices rose sharply in most parts of the country.

Sure, you can dial down the thermostat and get used to wearing bulky sweaters indoors to cut costs. But if you've got an unfinished attic, giving it proper insulation is one of the simplest ways to keep a lid on your heating bill this season. The Department of Energy estimates that a properly insulated attic can shave 10 to 50 percent off your heating bill. And it works the opposite way for warm climates; in summer, it helps stabilize your house's indoor temps to keep cooling needs in check.