I have a 900 sqfoot condo, and I think the insulation is horrible, so the gas bill is often over $100/monthI think there are ways to better insulate and save money on heating, but I don't know details
i tought this question would menstion the london tube.
In a multi story where you are not on the top floor, your options are limited to sealing any places where air infiltrates, hanging drapes for use when the sun DOES NOT shine in and using rugs/carpetingIf your ceiling is adjacent to the roof and there is space between the biggest improvement for your buck will be above ceiling blanket insulation Replacement of windows with argon gas filled dual pane windows provides good insulation.