I should mention that this house was probably built as a summer or weekender's home. There is no insulation in the open-beam roof upstairs at all, and there are a bunch of large single-pane picture windows that rattle in the wind. There is definite need for insulation at all levels. Since the furnace is forced-air, insulation will help both the gas and electric bill.
I have a very tight (i.e. no) budget because of cutbacks at work, so I'm pretty much doing what I can for free or cheap. (I have started combing the local Freecycle and Craigslist listings for cheap/free insulating materials.) I'm also looking into other projects on EM, such as the wood/clear plastic window insulating panel thread.
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