Our house had a tin roof and poor windows.
Because of the shoddy workmanship of the house, and the previous owners ignoring it, the wind always made the house feel colder inside than it was outside.
I had wood-burning stoves in the house that seldom kept it warm enough. I worked all summer long to get wood to keep the stoves running, but I always ran out in February. Last year, I took out a home improvement loan and started working in the house. I had all the windows replaced, and insulation placed on the walls and in the ceiling. I didn’t want to have any heat loss. Once the home improvements were complete, I got rid of the wood-burning stoves. I wanted a complete HVAC system. Never having done hom improvements before, I knew nothing about when to have the HVAC system installed. I didn’t want to rip the walls out to install ductwork, so I asked the HVAC company what else I could do. He told me about the ductless HVAC system. I ordered a 20 SEER ductless HVAC system. It took less than two days to have the HVAC system installed, and it took minor work. I couldn’t believe how warm and comfortable my home now was. I had heat in the winter, and air conditioning in the summer, and very little mess to show for it. I wished I had thought of doing this before I moved into the house, but it was a learning curve. If I ever move again, I’ll know what to do instead of roughing it out without formal HVAC.