Warm up cold walls!

If your apartment's walls are cold, then up to 33 percent of the heat you pay for is escaping.

What's the dealio?

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Back in the day when home heating costs were cheap, insulation, which is important for regulating indoor temperature, wasn't a building code requirement. In fact, overheating apartments was once a standard winter practice due to heat loss from the lack of insulation.

Wall tapestries are an easy decor fix that will warm up walls. The heavier the material, the better. A quilt will also work.

Tip: A fabric feature wall will also warm up cold walls. It's an easy DIY that uses liquid starch to apply cloth. However, unlike traditional wallpaper, starched fabric is a cinch to remove, so it's a good project for both renters and commitment-phobes.