Tighten the belt in 2011

As you prepare your federal income taxes, here is a deduction for which you might qualify:

Energy: Homeowners can deduct up to 30 percent of the costs paid or incurred in 2010 for any qualified energy-efficiency improvement.

The credit is limited to a total of $1,500. If you claimed part of it in 2009, you can take only the remainder on your 2010 taxes.