My partner Al and I weren’t cheap, however all of us were frugal. Al and I didn’t have much money to spend, and in purchasing a new heating system, all of us wanted to get the best for what Al and I could afford. We didn’t want to give up saving money for efficiency, however Al didn’t want to give up on efficiency just to save a little money. We wanted to reach a compromise between savings and efficiency. After a long discussion and a lot of research, Al and I knew what all of us wanted in efficiency ratings. We figured that for the extra money Al and I would spend on an energy and heat efficient heating system, all of us would save on the normal utility bills. That would be a greater payback for us, than just saving money. With the high cost of energy nowadays, every penny all of us saved was a big plus, but oil is now 6 dollars a gallon, and all of us want to use as little as possible, however until it becomes a necessity to use the oil, Al and I are using our old wood-burning stove, however all of us can only get wood for so long. Once the snow starts, it will cut our wood shed off to us because of where it is located. That’s when we’ll be using the new heating system. We have a bit of time to decide which heating system all of us want, however if the snow comes earlier, it cuts our decision time in half, then next month, we’ll purchase a newer heating system, and keep it on just enough to keep the chill out of the place until the wood-burning stove warms the home up! Conservation and quality of life are two of our chief concerns this Winter season.