I can buy a 97% efficient gas boiler that hangs on the wall for $5500 installed. Since my gas bill is partly due to cooking and hot water, the heating is only a little more than half of my overall gas bill which came to $630 for the 12 months ending last June. That was before all of the insulation, etc. described above. I'm hoping to have cut that cost by about $200/year. If that proves true I will have left myself with an annual heating bill of about $250. If I cut that amount in half, it would take over 40 years to recoup the $5500. I'm going to be 69 this year so the chances of recovering that investment (and being aware that I did) are remote. Out dining room has a wood framed patio door which is an energy loser. I'm sure I could gain more by addressing that than I can benefit by replacing the boiler.
We will continue to seek minor incremental improvement by tightening the envelope better. I would like to enclose the back patio, thereby creating an insular environment for the patio door, but the costs are too much to entertain at this point due to local building codes. They won't let me heat that room, even as a greenhouse, unless I provide R-49 in the ceiling. With the current joists and the elevation of the existing roof, that is impossible. Besides that, my wife, the sole breadwinner, wants to get completely out of debt - not add more. Who can blame her?