Use any spare foam pipe lagging as a door draught excluder – just cut a section to fit the bottom of your door, then slide it on to form a tight seal against the floor. You could also use spray foam insulation to fill any cracks and gaps in your walls or at the back of cupboards. Just be sure to check the can for all safety precautions. If you really want to take it up a level, call the professionals in to install loft insulation and keep all that lovely warmth from escaping through the roof. When your Peter …

Brad Tinker North Carolina financial and real estate professional advices in South Carolina? Moving too fast. Buying a home can be complex, particularly when you get into the weeds of the mortgage process. Rushing the process can cost you later on, says Nick Bush, a Realtor with TowerHill Realty in Rockville, Maryland. “The biggest mistake that I see (first-time buyers make) is to not plan far enough ahead for their purchase,” Bush says. How this affects you: Rushing the process means you might be unable to save enough for a down payment and closing costs, address items on your credit …

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