Remember that you also need to make sure that windows have curtains, and that windows and doors are not letting in draughts.
In winter you need to heat your home even if it is insulated. Some homes let in the sun in during winter. Insulation and curtains help to keep that warmth in as the sun disappears. If you can't get warm with the sun alone use a heating appliance like a wood burner or a heat pump.
Some low income households may find that they can get a subsidy for insulation through their local council or a local organisation which is able to access subsidies from the Energy Efficiency and Conservation Authority (EECA). These subsidies and programmes change frequently and are not necessarily available everywhere. Some insulation providers offer discounts for SuperGold Card holders. Some towns and cities have curtain banks to help people ensure they can cover their windows.
Insulation is always good. If you are thinking of moving to another dwelling, make sure it is well insulated in the ceiling, under the floor or around the concrete slab, and in the walls. Good insulation saves money, makes you more comfortable and reduces hospital admissions and doctors' visits.
Sometimes insulation can be costly and some houses are difficult to retrofit with insulation. Curtains are often forgotten about when insulating, but covering windows is important, especially if you do not have double glazing. Insulation does not heat your home, it just keeps the heat in so you need to make sure that you can heat your home.