Insulating the ceiling will just cause more heat to leak out of the windows. However, it is certainly true that poorly insulated areas will be the major loser of heat and they often merit attention before improving already well-insulated parts of the home. Switching to electric room heaters will reduce your energy bill. If you have central electric heating, then using room heaters will most likely save you money. Further details online .
Electric heating is more efficient than fuel-based heating.
This is why electricity is so much more expensive for the consumer than direct fuels. Buying an efficient air conditioner or furnace will automatically reduce my utility bill. Studies have shown that typical air conditioner and duct systems are improperly installed, wasting one third or more of the energy used by the air conditioner. The same caveats about proper installation hold true for insulation, windows and many other energy-efficiency upgrades. Installing foam gaskets in electrical outlets will significantly reduce air leakage.