here's cheap window tip for those who can't replace them: buy bubble wrap that is 24 inches wide and has bubbles that are 3/4" to 1". cut pieces to fit on the windows with the bubbles against the glass. use 3M painters tape to hold this in place and to seal it around the window frame. you can buy a huge roll of this for less than $50. one roll should last a couple of years.
when it's below zero out, you can touch the bubble wrap and it won't be cold. it's a cheap way of insulating windows and it may block the view, but it works!
also, add those receptacle pads behind wall outlets and switches. those are great for stopping drafts from the walls.
foam any wiring or pipes that protrude wall plates or even thru floors.
if you want to find out where your house leaks air, put a window fan in the window blowing out. seal the fan around the window tightly. the more powerful the fan, the better it works.
close every door and window in the house and you can actually feel air leaking in because of the vacuum from different places like doors, windows, wall switches, outlets etc etc. if you do feel air, seal them with caulk, foam, pads or whatever.
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