Almost every attic has some insulation falling down or falling off and sometimes it is as simple as using a stapler to re attach.  Start by peaking your head up in the attic looking for any missing and hanging insulation.

When you have inadequate insulation or your insulation is damaged replacing is a must.   You can check out the map above to find the best energy rating number for your climate.   Remember this is an investment that gives you big return and in some states you can get a refund for up 75% of the cost of insulation.

Your hot water heater should never be above 120 degrees Fahrenheit. Think about it do you really need water hotter than that?  The fact is that 120 degrees is the optimal temperature for your water heater.  Not only does this save you money on your gas or electric bill it can also prevent your child from getting burned with scalding water.  

Home security is a must for every home not only can you get it installed for free but you can also save big on insurance after.  We have talked to hundreds of homeowners who have taken advantage of this system.  The best thing about this is after the insurance decrease the monthly maintenance fee pays for itself.  An alarm is more than saving money it is saving your family homes without security systems are 2.5 times more likely to get targeted by burglars.  1st look into the system,  second call your insurance company and get a quote that is usually 10-20% cheaper than usual.  Worst case here is you get piece mind. 

Utilize the Mortgage Interest tax deduction when filing your taxes.  In the U.S congress estimates that homeowners pay $70 billion in mortgage interest annually. You need to deduct your fair share.   Not only can you increase your tax refund by doing this if you itemize but also because you deserve to keep as much of your hard money as you can.   The cliff notes on this is for every dollar you pay in mortgage interest you get a refund in accordance to your tax bracket.  An example of this is if you are in the 24% tax bracket you will get around 24 cents back for every dollar you pay in mortgage interest.   To find out your tax bracket click here. 

Replacing old windows that are hard to open and hard to close doesn't only make your life easier it saves you money too.  Many window companies have energy pledges or guaranteed savings when you place your homes windows.  Overtime the savings on your monthly energy bills will pay for the windows and you will profit.  Replacing windows that are old in efficient is one of only home improvements with great ROI (return on investment).  To get a free window quote simply compare here.