Cavity wall insulation slows down the rate at which warm air escapes your property, keeping each room of your house warm even when it is bitterly cold outside.

FORBES: How To Winterize And Heat Your Home For Less

If you use assets held for at least a year for your charities, the appreciation escapes income tax.

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Typically, the colder it is outside the faster the warm air from inside escapes, which can leave your heating system on all through the day without any noticeable difference to the temperature.

FORBES: How To Winterize And Heat Your Home For Less