Insulate Hot Water Pipes - Doing this should cost you less than $10, and it will lower your fuel bill and increase the speed at which hot water reaches your faucets.

Research the Value of Your Improvements - Before undertaking that costly upgrade or renovation, take a look at the estimated percentage of costs that can be recouped. You might be surprised at how much or how little you might get in the end.

Track Your Home's Value - Even though I don't have immediate plans to move, I like to keep track of my house's market value. Though they are not always accurate, these online tools can also help you decide if you really should do that improvement you were thinking about.

Refinance Your Mortgage - Rates are at or near record lows. As long as your credit score is above 740 or so and you have 20% equity in your home, you shouldn't be paying more than 5.50% for your 30 year mortgage.