Do you have a basement to consider? While it isn’t advised to insulate the ceiling between the basement and the first floor, you can help to prevent cold air from getting into the basement by filling the end joists with insulation. You can use insulation cut to 10″ lengths, and fit it in between each end joist loosely, so that the soft side of the insulation was lightly against the outer wall. You don’t want it compact, but allow the thickness of the insulation to protect against cold air that may be seeping inside.
Or is it your attic that needs attention? Determine whether investing in attic insulation will help retain more heat into the house and improve your energy efficiency. Depending on your budget & square footage, you may want to invest in fiberglass rolls of R-49 that can be laid directly on the ceiling joists, or blow-in cellulose insulation that will sit all light and fluffy, like a cloud of warmth. A knowledgeable contractor can assist you with deciding what your best course of action may be, and complete the task to start saving you money and stop losing heat. There are many different types of insulation, and knowing which to choose to get the most bang for your buck is best left to a professional.