I see the problem better and am bothered to answer seniors. As I understand that every investment must count.
I'm not against heat pumps in all cases — it's sometimes THE solution, but they have problems with reliability, noise pollution and, despite everything, electrical consumption... and they must be replaced one day or so. other... We find very tempting offers, but we become disillusioned when at the slightest glitch we realize that the seller has disappeared without leaving an address. And you never know how long the PAC will last... And it's embarrassing when you reach a certain age, because you can't chain investments that are still expensive, one after the other , and end up without heating by default of equipment and a source of energy whose price is soaring...
These houses of 1985, I know them, these thermal insulations of the time
“didn't really completely isolate”, you must have realized this since you had made corrections... Have located the thermal bridges and tried to remedy them...
The good news is that your situation is far from hopeless...If you chose to finish “passivating” your house instead, you wouldn't have to regret it?
From what I understand, part of the work to go in this direction has already been completed (double windows and edges of window panels...) the big advantage of this track is that:
“you won't spend on the calories you no longer need to produce...”The cost and the execution of an “EXTERIOR” thermal insulation (ITE) is ideal when you have a ground...
I don't know what your physical form is, but it's a business that can be done step by step without great difficulty yourself... Or great technical skills. I am thinking of an investment in materials between 5 and 000 €
I think that your “thermal wall” with its cost, would not exempt you from wasting / dispersing the energy produced to the outside...! So much for isolating?
You can even find cheap scaffolding (which you can resell once the work is finished)
from € 129.— to advance in complete safety (CE standard requires)
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from € 229.— with wheels, to move it easily and safely as the work progresses...
https://www.castorama.fr/echafaudage-ce ... 3_CAFR.prd
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Why is it very interesting? Because :You always have an oil boiler that you can use and that works => zero investment.
At the rate of your current heating expenses, the insulation costs would be amortized in 2 or 3 years... if you count the electricity expense...
In the meantime, you don't spend anything you won't see again (heat pump + electricity)
This would allow you to postpone the date of a possible investment as long as possible while reducing your heating costs even more drastically (all the heat escapes through the walls in your home, as we understand.. .)
Doing these little jobs will provide you with physical activity that will keep you in shape!
You will also have the enormous satisfaction of having achieved it day after day...
And in the end, you will judge for yourself, but you may only need a cheap heat pump / inverter / air conditioning, like the one I just got someone for € 300.— on sale (4 year warranty). What you could afford since it would only work at a fifth or a quarter of the capacity (and the electrical consumption) compared to the case where you did not insulate the walls...
Until then... you will be able to see what type of heating it will possibly be appropriate to invest in by seeing the evolution of prices, which is an additional advantage (you already have a fireplace, you could think of a small mass stove at time T, which heats an entire house like yours, well insulated with ITE, with only one log per day...! Even a "vegetable garden" allowing you to cook while heating the house , would it be enough....)
I therefore rather see a combination of ideas or “possibles” in your case, which would start by perfecting / finalizing the thermal insulation, and which would THEN define which solution to adopt (if necessary). Because I repeat that we do not spend the energy that we do not consume. And if not, you have to pay!
Perhaps a small dream of becoming almost self-sufficient in your case...
RTDC.
PS: normally, on old boilers, the heating engineers were able to install any burner on any boiler, as long as the tank was not cracked. And indeed, “simple burners” must be hard to find. The mistake would therefore be to take a new boiler with all the gadgets to become completely “captive”... Watch out for anyone who tells you that, he might tend to shoot your boiler for the benefit of offering you another one.