Al Carrell: Now this is a two-person job. I'm downstairs feeding this hopper with a loose fill cellulose insulation while Michael's upstairs blowing the insulation.

Michael Holigan: We're using cellulose insulation for a couple of reasons. The homeowners installed some fiberglass insulation a few years ago, but they wanted a better barrier between the inside and the outside of their home. With cellulose we don't have to start from scratch. We just spray the insulation right on top of the fiberglass and by adding more insulation we're boosting the ceiling's resistance to heat flow. That increases what's known as the R-value - the resistance to transfer of heat and cool. In an older home, increasing the R-value can save you up to $100 a year on energy bills. In a newer home, figure about $40 in savings. Not bad for an investment today. Under $50 to insulate our 250 square foot attic.

AC: Call your utility company to get the proper R-value for your part of the country. Figuring your cost depends on whether you have existing insulation and how many square feet you need to cover.

Richard Chapman: Each one of these bags covers 25 square feet for an R-19 value and it's about four dollars, little over four dollars a bag.

AC: That's not bad at all. As a matter of fact, you'll get your money back in energy savings before too long. The blower and hopper setup can be rented. But many home improvement stores will lend it to you free if you buy the insulation there.

MH: Spraying insulation isn't difficult at all. The hose is lightweight and easy to direct. But it does get very dusty up here as all the cellulose particles fly into the air. So it's a good idea to use a plastic mask, like the one I'm wearing. Well adding insulation is definitely a do-it-yourself project. You may think it's one that you can't see the results on, but you will see the results every month that you get that utility bill. We spent about $50 doing the whole attic, less than half an hour. We're probably going to save more than $50 every single year that we're in the home. So, go out and get some insulation and do it yourself.