1) First thing you need to do is start up high and what I mean is lets start with the window curtains. Time to take down those thin curtains and buy thick ones to help keep the cold out . You will be so surprised how much heat you will be able to keep in your home while keeping out the cold.
2) 
When people have hard wood floors and no carpeting their floors are freezing so you can either buy a couple of area rugs which may add up costs or a much cheaper thing to do is always have socks and slippers on your whole family. ( MY CHILDREN LIKE THE SOCKS WITH THE GRIPS )
It keeps their feet warm and also allows them not to slip and fall. Also those runners on the bottom of the doors is a great way of keeping the cold weather out
3) Also make sure you have your home on a timer for when you are not home no need to heat up a house if you are not in it. Unless you have tenants and or you control the heat for the building or something like that in that case make sure the timer is on as well as a set temperature.
4) 
Also wearing long sleeve and pant pajamas are a sure way to keep warm while you are in bed sleeping.
5) Always having a HVAC Company come and check your furnace before its to late and your furnace goes out and need to replace it in the dead of winter when most heating companies are extremely busy.
