Have you thought about making energy retrofits to your home? It’s a great way to make your home more energy efficient and reduce your carbon footprint. Home energy efficiency improvements are good for your bank account, too, because money you invest in energy efficiency or renewable energy systems will pay off over time in reduced energy bills. That’s especially true right now, because the federal government currently offers big financial incentives for purchasing solar panels, wind turbines, efficient windows, added insulation, woodstoves and more. It’s also possible to finance home energy upgrades with a loan specifically designed for energy conservation. These loans are usually called energy improvement mortgages (see “Resources,” below).