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Insulating windows without plastic is usually the better method. Outside of simply replacing your windows, you could buy cellular shades, which trap air between the window and the home, add a window film that blocks UV rays and traps heat, or cover your windows with a low-emissivity coating called “low-E.”

Several types of insulation are effective for crawl spaces, with spray foam and rigid foam boards being two of the best options. Closed-cell spray foam insulation is a strong choice because it effectively repels moisture, resists biological growth, seals the air, and provides excellent thermal protection, especially in hard-to-reach areas. Rigid foam insulation boards are another excellent material as they insulate well, resist water damage, and will not settle over time like fiberglass or cellulose.

The primary reason that insulation saves you money over time is that it reduces your energy bills by making your home more energy efficient. A crucial part of an insulation system is a properly installed vapor barrier. Local building codes dictate whether your insulation requires a vapor barrier based on the type installed. While some high-quality wool insulation may not technically need a vapor barrier, most municipalities still require one to meet code.

Insulating a detached garage won't reduce your home's heating or cooling bills—and insulating an attached garage will only have a small effect on your home's energy efficiency. However, insulating an attached garage can reduce the transfer of heating and cooling to and from the outdoors, which can reduce the amount of energy your home needs to stay comfortable. Also, having an insulated garage is just more pleasant. Balance the cost of insulating your garage with how you'll use the space to determine if the project is worth it.