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You're doing better than me ($45.76 last month), but I have electric hot water (solar someday...) and my water is off a well & the pump runs on electricity.
I re-framed the walls on my place too (well, I'm still in the process, but have almost all the living area done), but I took the opposite approach: The new frame's on the outside, and supports 2" styrofoam insulation with new siding over it (the old siding needed replacing anyway), and in the process replaced all the old single-pane windows.
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