Insulation.
My new windows I put in 2 years ago and insulation projI started 3 years ago and finished about 6 months later plus high efficiency heat pumps has decreased the power bill 100 to 150 per month during the summer and 50 to 100 in natural gas in winter.
I didn't want to bust open walls either. So what I did was take a 5 inch hole saw and make a hole at the top of the wall between the stud exposingthe bottom half inch or so of the wall header and hand filled with cellulose.
And it worked.
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