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Heat lost through uninsulated basement walls can account for up to 30% of the total energy lost through heat transfer to the outdoors. While homes in mild climates won't gain as much benefit from having an insulated basement as those in cold climates, the effects are still noticeable on your energy bill.

The most energy-efficient windows are double—or triple-pane windows with low-emissivity (Low-E) coatings and gas fills between the panes. These windows reduce heat transfer, prevent drafts, and help maintain a consistent indoor temperature. But if replacing windows isn’t in your budget, pairing your existing windows with insulating window treatments can still make a noticeable difference in home comfort and monthly bills. 

The best type of attic insulation depends on where you live, your budget, and what stage of construction the attic is in. For example, if you're building a house, then structural insulated panels are a worthy investment since they're easy to install during construction and they're the most energy-efficient type of insulation.  

Additionally, if you live in a very warm climate, then you can potentially save quite a bit of money by opting for reflective insulation, which is more affordable than comprehensive insulation but doesn't work well for cool climates. Blown-in, loose-fill, and spray foam insulation are all great options for attics in moderate climates.

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.