If you do decide on the DIY route, remember that some types of insulation are irritants so wear suitable clothing, including gloves, goggles and a facemask when you are laying the insulating material.Make sure you carefully follow the instructions that come with the insulation, and in particular ensure that you don't block ventilators or air inlets. Leave a gap around the eaves as well to prevent condensation. Don't cover electrical cables and keep insulation away from items such as recessed light fittings that may require airflow to prevent overheating - check if you're not sure. The attic will be a lot colder once it's insulated so make sure that pipes are lagged and water tanks are insulated. Don't insulate under tanks though - leaving a clear area underneath will allow heat from below to rise and help stop them freezing. Finally don't forget to insulate and draft proof the access hatch.

Now that the attic is snug, it's time to look at some of the other areas that you can work on to cut down on the heating bills.