Disclaimer: I grew up in old houses and love them. I’ve lived in a few newer houses (say, 1970s +) and hated it.
Old houses have their…quirks, shall we say. But if you like them, it’s all worth it. I’ve recently moved back into an older house (1932). I don’t believe there’s a true square nor a level floor anywhere in the place. It’s terrific!
Attic: definitely check and insulate as needed. This is the most likely upgrade to have already been done, but may need a booster depending on the age of the insulation.
Windows: original windows will leak like sieves. Storm windows will help, how much depends on their age and condition. Replacing the windows with modern units is probably the easiest and most effective solution. If you don’t want or can’t afford to do that, then get the best storm windows you can. Also pull apart the window frames and insulate inside them - the frames leak horrendously and the storm windows don’t cover that part. Don’t forget heavy drapes, insulated are best. That alone can help quite a bit. Exterior shutters may be a good option, depending on your location and the house.
Walls: original walls probably have little or no insulation. If you’re doing tearout repairs on the walls, you can usually add bat or board insulation as you do that. If not, you can often have insulation blown in through small holes. I believe the newest is the expanding foam insulation. It’s more expensive than blown but is supposed to work better (improved fill into gaps and crevices, and maybe a higher r-value).
Be warned - if you’re used to carpet, wood/tile floors are cold. I hate carpet with a passion, except when I think of it wistfully in the dead of winter as I get out of bed. If you have to redo heating, consider radiant floor heating (depending on your floor style and materials). Otherwise, stock up on warm socks!
Around here, buying an already-restored home can take quite a while (not that much turnover) and be very expensive, but would be a great option if you can afford it. Actually, it’s getting difficult to buy a reasonably priced fixer-upper, because most of them have already been bought.
I’d second the recommendation to get an expert in to see what’s needed and make recommendations. Many gas/electric companies will do energy audits, or you can hire your own expert. The IR scanning is pretty cool - it will tell you specifically where in the walls more insulation is needed.
hey, raindog, what books do you have? We’ve got original windows and I don’t want to replace them. I’m still trying to find some reasonably priced, well built storm windows, which seem to be much less available now due to the complete-replacement windows.