Insulating your home is the most efficient way to reduce cost. Often you hear about Energy Star

appliances, special windows and doors, efficient heating/air conditioning units, as ways to save money

on monthly utility bills. Sometimes more exclusive options are considered, such as solar panels or

geothermal heat pumps which can take many years to recoup the investment before realizing any net

savings. The single most important and most cost-effective money saving opportunity is a well-insulated

home.