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Insulating your home's exterior walls can realize up to a 20% reduction in your monthly energy bills. This means that regardless of how much the project costs, it can begin to pay you back immediately. Additionally, adding spray foam and other high-end materials can increase the selling value of the property.

Yes, energy-efficient homes are increasingly desirable in the market.

Hanging a thick blanket over your windows will help to keep the heat inside, but only a little. Covering the glass will also prevent the sunlight from getting in, which might actually decrease the efficiency of your window overall. If you get to the point where you’re hanging blankets over your window to keep warm, call in an expert to seal around your windows to prevent warm air from escaping. They may also recommend replacing old windows that aren’t as insulative as newer window technology. Sealing a window isn’t terribly expensive and can make a big difference.

You should insulate ducts in a crawl space if you live in a colder climate or you run your air conditioning for most of the year. Insulating ducts doesn't take too much time or investment and can make a big difference on your electricity bill. While this is more difficult in a crawl space, if any ductwork is being done either you or a professional will be down there anyway. A bonus benefit is since they will be putting off less hot or cold air they'll be less attractive to any unwanted pests in the home.