According to energy.gov, one of the most cost-efficient and cost-effective ways of keeping your house comfortable year-round is to install insulation in your attic

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Having a well-insulated attic and house is a great way to not only stay comfortable throughout the year, but also save a substantial amount of money over the lifespan of owning the home. The average homeowner can expect to save 30% on heating during the winter. The U.S. Energy Information Administration estimates that, on average, a homeowner can expect to save over $170 on natural gas and over $500 on heating oil to stay warm during the winter months. With the National Association of Realtors estimating that the median length of time that a family lives in a home to be about 9 years, that's a lot of savings by having a properly insulated home and attic!