An investment that can lead to a big return for your family is the same one that will cut your home’s energy use. 

If you want to invest in energy efficiency this year, consider: 

Replacing older windows, especially if they are single-pane models. Old windows are barely better for your home’s comfort—or your energy bills—than windows that stay open all the time. Invest in double-pane windows with low-emissivity (low-e) coatings on the glass, which will keep the cold outdoors and your comfortable, heated air inside where it belongs. The U.S. Department of Energy estimates that they typically lose up to 50% less energy than older versions. 

Installing a programmable thermostat. If you’re still trying to remember to turn the heat down every night at bedtime, up again when you wake up, and down again before you leave the house for work in the morning, you’re probably overheating your house. A programmable thermostat will do all the adjusting for you—according to your preferences.