So I'm installing this phone system at this windows, doors, garage doors/openers place and I got to talkin with one of the sales guys... yeah i know... We started talking about windows and garage doors and how mine is off center, turns out it's not really that uncommon and I mentioned that when I first bought the house it would go up and down on it's own. I don't want to fuck with it and it's old. Hell the remote fell apart. I know they can put in openers for 310 installed, but the problem is that the doors themselves need replaced. hmmm.... So then we start talking about windows. I have 14 windows in the house and at least 3 of them desperately need replaced. He off the top of his head quoted me 7 grand, at 7% interest on a loan, it's like 7500ish at 60 months thats around 125 a month. My brother got a quote from another place for 7 windows at 3500. So they're about on par with each other. Considering my gas bill was 150 bucks in march because of the furnace, would it be a wise investment to try for a loan to get these windows replaced? I can put glass screen in my screen door (which has nothing in it) from home depot. I've already talked with Brian about this and barring that I get a second part time job to cover my ass with other bills, I think he's willing to take on a little extra (like the tv bill persay) to help me make things end meet so we aren't spending both arms and 8 toes on the heating bill. On top of that, my insurance dropped 40% for August. So anyway, what I'm wondering is if any of you have replaced windows (preferably you who live where it gets between 0-32 in the winters and have seen large amounts of snowfall), how much did your savings on your heating and cooling bill net you?