I do have space heaters but the furnaces heats the water as well. Pretty much the worst setup for the northeast. Sadly I don't have the money to invest into a more efficient heating system. Spent 2k just in oil this winter.
I have no sympathy i'm over 2400 already just on my lil apartment building. Before I went to the new boiler I was running four k a year on the little apartment building that now went down to about 3k. so, six k for boiler. save a k six year pay back. And im not rich either I work a lot.
look at it this way. you go wood it will run you seven hundred a year (seasoned cut) unless you really are cutting it yourself.
For the sake of 1300 a year more you don't have to deal with it at all and just keep using oil and save the headache and time. pellet stoves, three tons is going to run about 660 for the year delivered (maybe more). if you buy in the summer and pick it up yourself you can probably get them for 600. but still for the extra 1400 you don't have to deal with it at all. you buy a good pellet stove like a harmon (guessing you will pay for install looking at this thread) it will cost you threek installed approx. so you will have a couple year pay back plus will have to deal with pellets. And you still wont be out of oil because pellets are supplementary heat and you still need the burner for the hotwater unless you go to a electric hot water tank.
Really all in how you look at it. coil boilers in the basement (assuming) with hotwater off the boiler is efficient in the winter. Because it kicks on to heat the hotwater so the heat rises. coil boiles are great in a way. it isn't wasted energy in the winter. The problem with them comes in summer, when they are kicking on to heat the hotwater and stay to temp when you don't need the heat and the hotwater isn't running. That is where you save money going to on demand and cold start in the non heating months because the boiler isn't kicking on when its 70 or eighty degrees. Easy fix to that (did that when I was broke) is flip the switch and shut it off totally. you need hotwater, flip it back on and wait ten minutes until it comes up to temp. you just made it into a coldstart by shutting it off and turning it on.
I really cant tell you specifics, I don't know your house or local suppliers just giving you something to weigh.
other option is a outside wood boiler, but maine is cracking down on them because us mainers will throw anything into a fire even if it isn't safe.
Far as no money, you can get energy efficiency loans through the state, or even local banks with acceptable interest rates. Going into debt on something with a efficiency upgrade and payback wouldn't be a unwise choice, as the savings will outweigh the interest payments.
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