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Drafts are a huge killer. Anywhere you can see daylight through a crack should be sealed up. That alone makes a big difference in comfort and gas bills. The good news is door strips and insulating sealant foam are inexpensive.
After those easier things are taken care of though, prices for things like a new set of double pained windows or upgrading the insulation are quite high. But, at least hit up the easy ones in the first paragraph yourself. Killing the drafts makes a world of difference.
I replaced all the windows the first year I lived here (they were shitty wood single pane double hung, and I used to work for a door and window company so it was an easy call), but left the storm windows for the extra airspace. The doors/windows aren’t drafty, the structure of the house itself is, especially where different materials tie together. I can’t see light through any of it but I can feel the air movement. Arguably worse. It’s just settled over time, and come apart at the seams. (I can relate)
I need to remove all the siding and exterior insulation, reseal, seal the foundation, reinsulate, and reside it to take care of the problem. Which is going to be very expensive, and why I haven’t already done it. I’m looking at roughly 1/5-1/4 the total I paid for the place to do this.
This isn’t a small draft issue, unfortunately, it’s a huge one. I’ve already done all the small stuff cuz it’s so expensive to not.