Refinancing you home loan can save you money and often reduce your monthly payments. If you take cash away from a refinancing, be sure the new loan balance isn't more than the original price of the property. If it is larger, your interest payments may not be tax-deductable.
Most experts agree that caulking and weather stripping any gaps will pay for itself within one year in energy savings. Caulking and weather stripping will also alleviate drafts and help your home feel warmer when it’s cold outside.