Hi,
Where do you live? Windows and wall, ceiling(attic) insulation is
important for energy onservation.

I'm in Connecticut in a Cape and the 2nd floor is always colder than
the first which tells me that my primary expense should be
reinsulating the attic - which is a job in itself for a Cape because I
need to rip up the ceiling to do it. Just don't know if I have the
budget to do that, replace the windows and blow in wall insulation. So
I think I'm going to have to do 2 out of 3.