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Yes, you can install insulation over ductwork, and doing so can save you money. Without insulation, the HVAC unit must work harder to force warm or cool air around the home, and once the air reaches the vent, it may not be the correct temperature. Insulating HVAC ducts makes your system work more efficiently, saving you money on heating and cooling bills.

Spreading tin foil over your windows works similarly to radiant barrier insulation, but not as well. It will reflect some of the sunlight that would otherwise come through the glass and warm up the inside of your home, so it might help a little to keep your home cool in the summer. However, the appearance isn’t preferable to blinds or drapes that can offer the same benefits. You might also consider tinting your windows instead, which is a more aesthetically pleasing change that can still block a good portion of the solar heat coming through your windows.

Adding insulation to ceilings is an excellent way to increase the energy efficiency of your home. If your home's layout is such that you need insulation in the ceilings rather than in the roof, it's likely that at least some insulation already exists in the space. However, each additional inch of insulation you can add boosts the R-value by between 2.2 and 4.2.

Doubling the insulation in your home also doubles the R-value of said insulation. In other words, by adding more insulation, you can reduce the heat loss by half. Most homes benefit from increasing insulation. Older homes, in particular tend to have less insulation as is, so doubling your insulation could drastically reduce your energy bills, keep your home more comfortable, and take the strain off your HVAC system.