Here's a ten-dollar idea that can save you hundreds. Water heaters lose plenty of heat through their outside shells. For about 10 dollars, you can buy an insulating jacket that keeps heat from escaping. They're easy to install, and can save hundreds of dollars on your energy bills over the life of the heater.
Imagine leaving a window open all winter long – the heat loss, the cold drafts, the wasted energy! If your home has a folding attic stair, that may be just what is happening every single day. But there is something you can do about it.