Heating your home this winter is going to be pretty costly. Home heating oil is going to be 34 percent more expensive. Natural gas is going to be 50 percent more expensive. And, electricity will go up about 11 percent. But there are things you can do to keep more of your money. First of all, check the insulation in your attic. Your No. 1 priority is to make sure the insulation in your attic is sufficient. Also, it may be time to replace your inefficient furnace. Clark normally doesn’t recommend this extreme purchase, but costs are going to go up so much this winter it may be worth it. Weather stripping or caulking is also very helpful and you reap the benefits right away. Clark also recommends heating the rooms where you spend most of your time with electric space heaters instead of turning on the heat as usual. Electricity hasn’t gone up nearly as much as natural gas, so it may be smart.