If you haven't had your home checked by BGE, yet (for free, as long as you let them improve 3 things), this should be high on you to-do list, as you will effortlessly save money every month:
http://www.bgesmartenergy.com/residential/quick-home-energy-check
We had BGE come out last December and do a basic check for air leaks and other areas of inefficiency in our home. It was less than an hour, we got 12 free cfl lightbulbs out of the deal, and a prioritized list of home improvements. We decided to upgrade our insulation to R60 in the attic and had spray in foam put in along the sill in the basement. It has made a huge difference in the comfort level of our home. They typically offer free low flow faucets, showerheads and CFL lightbulbs. Using 60w or higher lightbulbs is like throwing money out the window!
When Kevin and I think of home improvements, we try to think of improvements that will save us money first, before doing cosmetic improvements. The way we see it, if we upgrade something now that will save us money in the long term, those long term savings will pay for cosmetic improvements later. If you are out of BGE's area, check your local utility. Most offer simliar, often even better, plans.
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