Replacing appliances and windows is an expensive proposition but atleast you can factor in the yearly savings when making a purchasing decision. Some improvements are pretty easy to do youself and pay off quickly. Like installing insulation around your water heater. Installing insulation under your house and in your attic can also be done relatively cheaply if you do it yourself.
Check out the Energy Advisor and find out how your house rates: http://hes.lbl.gov/
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