I think our house has a serious insulation problem--as in, lack thereof. The thing is, I can't really check to see if our attic areas are insulated because most of the attic spaces have no access hole. Our house has a really strange roofline, and most of the rooms have their own roof & attic space. In other words, there's not one big roofline/attic over all the rooms like you'd have in a normal house. Two of the rooms have attic floorboards overhead, and from what I can see in the gaps between the boards, there's a really scant amount of insulation. So I have a feeling we'll be ripping out attic floorboards in order to blow insulation over some of the rooms, cutting holes in walls and/or ceilings to get to the rest, and generally making a mess in order to get the house warmer.
The basement and crawl spaces are also uninsulated. I think that adding insulation to the basement ceilings and ductwork will help as well, but they are not as crucial as the attic insulation. I can't do anything about the walls because they are all solid brick.
I am also trying to conserve energy by keeping the temperatures lower indoors. The front two rooms are at 66 during the day, while the rest of the house stays around 60-62 degrees. I have oil-filled electric radiators in those two front rooms so I don't have to heat the entire house all day. At night the radiators are turned off and the thermostat is set at 60 degrees. I have a really hard time maintaining my body temperature with these settings, especially if I go into any of the other rooms. I typically wear a long sleeve shirt, a sweater, and a large fleece pullover. I heat up rice socks in the microwave and drink hot herbal teas and put blankets on when I am sitting down. And I still am really cold much of the day.