You may be losing more heat - and cash - through your basement ceiling than you suspect. But there are steps you can take yourself reduce heating costs and increase comfort. A simple DIY insulation project adding some extra panels can cut your heating bill by 10%, according to Zukunft Altbau, an information service supported by German environmental authorities. Best of all, homeowners with some basic skills can do it themselves: Step 1: Preparing the surfaces Clean the basement ceiling and walls