I would like to improve the insulation in my home which is cold and heating needs to be on for long periods. I am paying £130 a month for gas and electric in the winter so it would really make sense. The standard insulation however has been done, loft insulation and cavity wall insulation. So I am not sure what the most cost effective thing to do to improve it would be. I have been wondering about paying for an independent expert to give me some advise, but I don't know how to find one, google is no help! Does anyone know how I could find an 'expert'?