Right now, it seems like your hard-earned dollars are flying out of your house! High heating bills, excess energy wasting, and the impact of fossil fuels on the environment raise plenty of concerns: Should you spend your paycheck on utility bills or on improving your home’s efficiency? Should you add insulation? Should you replace your windows? What are the most cost effective options? And how does your heating relate to issues like mold, moisture and ice dams? The possibilities are endless, but which options are worth the investment? It is very confusing.