Smaller, high efficiency units generate as much heating or cooling benefits as large, inefficient ones. Insulating the ceiling will just cause more heat to leak out of the windows. Switching to electric room heaters will reduce your energy bill. If you have central electric heating, using room heaters only where you need it will most likely save you money. If you are heating with cheaper gas you can easily match or even exceed your heating bill by switching to portable electric units.
Fluorescent lighting is unhealthy.
If it's been awhile since you tried fluorescent lights, give them another chance. Today's fluorescents offer vastly improved warm color qualities and the annoying flicker is gone. Meanwhile, the pollution created by generating electricity to run standard inefficient lights has many known health effects. Halogen lighting is super-efficient. Halogen lights use slightly less energy than standard incandescent bulbs, but halogens require transformers that can use extra energy, even when the light is off.