Which floor to insulate

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Hello, i want in change windows for better insulation. I do not have the money for all the house so I need to do one floor every few years. I have three levels, ground, 1st, 2nd. I am thinking that 1st floor, in between, should be the last priority. So my question is which floor to insulate first ground floor or 2nd floor? Which floor is loosing the most heat?
 
You can argue this a couple of ways.

First heat rises so do the top first but alternately living rooms are typically kept warmer than bedrooms so do them first.

Personally I don't think it makes a great deal of difference. I'd make sure I had my loft insulated fully as this is the cheapest and most effective measure you can take and make sure you have TRVs on all rads so you can regulate the temperatures.

Maybe do the whole of the front in 1 hit for aesthetic or do the rooms you intend to decorate first?
 

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