Insulation in your attic can cut your heating and cooling bills by as much as 10%. In a survey that I have recently read, 60% of the homes in America could use additional insulation in order to obtain the maximum amount of  savings in heating and cooling. Chances are that you live in an inadequately insulated home right now. Effective insulation is an easy and very inexpensive fix. This is a great DIY project, or you can always get your local insulation contractor to do this project.