You don’t realize how much money it takes to heat and cool a house until you own one. My parents bought a 15 room victorian home. Beautiful house but definitely dated in all aspects. A week before they purchased the house the furnace died and the heater repair would not have been cost effective. It was an old oil boiler that needed to be replaced at some point in the near future to begin with. Hot water baseboard is a really nice way to heat your house because you don’t have to worry about all of the ductwork and dust that is associated with forced air. A downfall is the hot water baseboard doesn’t provide air cooling just heat. When my parents were figuring out what type of heating system to put in a contractor friend suggested zoning the heater so you don’t have to keep every room at a comfortable 72 degrees, thus saving money on heating bills. Properly running thermostats can be a huge cost savings to your home. They ended up zoning the house with 5 individual zones. This made it so they could keep their main living quarters warmer than the guest quarters and the back storage rooms. Cooling the house was going to be another issue as well. They decided to have a portable air conditioner installed upstairs for their bedroom and a window air conditioner for the living room-kitchen area where they spend most of their time. Overall, having their heating and air conditioning zoned properly has made it quite energy efficient.