My house is a 1947 3 bed semi, uninsulated except for 4" of loft insulation. It's cavity wall downstairs, and solid wall upstairs, with single glazing.
The cheapest and quickest payback option is another 4" of loft insulation, but it's also the smallest saving, and for that I'll lose my floor unless I pay extra for another one, and also lose headroom. Not worth it.
The next cheapest and quickest paying is cavity insulation, which saves about 3 times as much as more loft insulation, but that won't be happening under any circumstances as long as CIGA hang on to their well-earned repuataion for being a load of shysters who don't honour the guarantee.
The biggest saving is the solid wall, but external insulation is also by far the most expensive, with a long payback. It also looks terrible, and has to be chipped away any time the windows need renewing.
Windows have an even worse payback period for less saving, and worst of all is the floor, with worst level of upheaval as well.