As we welcome 2013, many are looking at their own home and how they can improve it and, in turn, save money due to an increase in energy efficiency. Where many modern properties are incredibly energy efficient, older homes could contribute to a rise in monthly payments, unless some home improvements are considered. Ever since we moved into our circa 1920’s house I have been trying to small upgrades that we are finally starting to see nice returns from.  I know doing a boiler is a big expensive project, consider doing smaller ones unless you are able to afford a...