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If you need to insulate behind finished walls, the best option will likely be to have an insulation professional install blown-in insulation. The installation requires small holes cut in your wall, after which the installer can blow loose-fill insulation into the void. After the installation, you’ll have minor drywall patching, which shouldn’t cost more than $100. Compared to ripping down the existing drywall, using a different type of insulation, and replacing and finishing the drywall, this should save you hundreds or even thousands, depending on the size of the room you’re insulating.

Cellular shades, also known as honeycomb shades, are the most energy-efficient and insulating window treatments. Their honeycomb structure is made of soft fabric that forms layered cell pockets. These pockets trap air, creating a thermal barrier that reduces heat loss in the winter and blocks heat gain in the summer. For even greater insulation, consider double- or triple-cell varieties. Side-tracked cellular shades, which seal the edges of the window frame, can further minimize air leaks and maximize energy efficiency.

The primary downside of radiant barriers is their limited effectiveness in cold climates. They are designed to reflect radiant heat, making them less beneficial in cooler conditions where heat retention is more important. 

Radiant barriers require proper installation to maximize effectiveness. Incorrect placement can lead to minimal benefits. They also do not provide insulation, meaning they should be used in conjunction with traditional insulation for optimal energy efficiency. 

Minimal maintenance is required, though regular inspections to ensure insulation hasn't shifted or deteriorated can improve performance over time.