How to lower your heating payments?

Author: Fraser Reid
Source: http://www.flickr.com
When you are living in a huge, own home, you possibly are happy because of that, mostly during summer time. And what about winter? How much money you are spending every year for heating? When your mansion is older then ten years, it perhaps doesn't have a proper wall insulation. Or maybe also you do not have a hi-tech windows which should protect your home from loosing the hot air. If you want to cut your costs, you have to spend some money first.