See if the power company will do an energy audit to help you figure out which improvements give the most bang for our buck. Plus those kits where you put plastic over your windows really do make a difference. Also, thermal curtains help. We have kind of gotten away from the old ways, and with an older house and colder weather, they are worth rediscovering. (And I’m with you on the attic insulation, if there isn’t a decent amount already.)