Do you have an energy efficiency program in your area? They’re often run by a mix of the state and utilities. There may be income guidelines to qualify, but they can help with the cost of updates that improve efficiency. Ours pays for 80% of insulation improvements (although it has to be things they recommend—not just something the homeowner wants done) and 100% for people who qualify based on income. They were going to add insulation in my attic but I have a couple things to accomplish first so haven’t had them out to do it.
momma to DD 12/08 & DS 3/13