THE HOME IS THE FASTEST AND BEST PLACE TO CONSERVE IN YOUR DAILY LIFE, DON'T LOSE HEAT OVER SPILT INSULATION...

Savings –
Requirements for Insulation have increased - $60 a month
Insulating your Ceiling is the best Investment - $40 a month
Insulating your wall is difficult but worth it - $20 a month
Air Leaks from your house looses money- $10 a month
Fireplace flues can leak air  - $5 - $10 a month
Insulating in crawlspaces and unfinished basements - $5 a month

Requirements for Insulation have Increased: Make sure your house is insulated.  Insulation is found in the attic, all exterior walls, and all floor joist exterior cavities.  If insulation is missing in any of these places, heat, cool air, and air is leaving your house when you want it to stay around. The requirements for insulation have changed dramatically over the last few years.  What use to be okay is not longer acceptable for the energy efficiency within the home.  Check the current insulation level requirements and properly insulate the house to correspond with these requirements.  They make these requirements so the house will be efficient and for the comfort of those living in it. Check out this site to learn more: Home Energy Saver, which was put together by the Department of Energy.
Insulating your Ceiling is the best Investment: Your ceiling is the most important area in your house to insulate. Since hot air rises, the heat goes right through your ceiling and into your attic.  This is the first are for heat to leave.  Insulate it to the required amounts. Houses use to roll bat insulation into the attic but that is not acceptable any more because it misses areas; instead they should always be blown in with insulation. This loose insulation will fill any gaps and holes to seal the ceiling of any heat lose. 
Insulating your wall is difficult but worth it: Insulating your walls is also important but it is difficult to do after the drywall has been hung. Sadly, over time, insulation sags and compacts to the lowest point in the area is was placed. For this reason, you may have area’s in the wall where the tops of the walls are not insulated.  The only way to fix this is to drip 2” holes into the wall and blow in insulation.  From there you will need a very good drywaller to patch these holes. This can be an expensive task but also can be very much worth it.
Air Leaks in your house is like money going down the drain: Find air leaks where you can.  You can hire professionals to come into your house and pump air into the home.  This will show them exactly where the leaks are and they can recommend way to fix them. Remember to caulk cracks around windows. Seal all holes on the exterior of your house; these can leak air at great quantities. Also place your hand over exterior wall outlets and see if you can feel cold air.  Insulators are prone not to insulate behind electrical outlets.
Fireplace flues can leak air: Make sure that when your fireplace is off that the dampener is closed and sealed tight. Fireplaces are okay for aesthetics but the best way to heat your house is with a stove, these sit out from the fireplace a little and only allow a small amount of heat to go up the flue, instead the heat that is produced is allowed to circulate through the room where the stove is located. A fan behind the stove will allow the hot air to carry throughout most of the house. 
Insulating in crawlspaces and unfinished basements: If you have a crawl space or an unfinished basement, these too need to be insulated.  Climb down into the crawlspace and inspect all of the cavities between your floor joists, insulate them if there is no insulation. This is just another way to resist heat transferring to the outside. You can also have a professional climb down there if you do not feel comfortable. In unfinished basements, make sure all walls, cavities, and holes are foamed and insulated.