Time to owe up then:

Sadly nor many pictures (there must be some, I'll go and hunt them down, eventually.)
We moved into a cottage in North Oxfordshire in 2003, first renting it for two years, before we were able to buy it. Buying a house without having to move house,

It's main part probably dates from the mid 19th century, has half meter solid(-ish) stone walls, but was extended twice, adding to it at either end. One addition most likely was built as a workshop or similar, and was only incorporated into the house in the 1950s. The other is of early 1970s vintage.
So, in at the deep end, here is a list of things we've done to it.
40-year-old extension:
partly new roof, insulation between and under rafters (140mm Kingspan)
new timber suspended floor above unheated garage, insulation between joists, chipboard structural layer, UFH in 40mm screed, tiles over
internal insulation to walls, 50mm Kingspan between timbers, foil backed PB over
new DG windows, tilt'n'turn
9 inch solid brick wall extension:
demolished, all bricks cleaned and re-used
new build extension in Thermalite, part-filed cavity, old bricks for outer skin
roof insulation 150mm sheep wool between rafters, 60mm woodfibre board across on the outside
100mm Kingspan under screeded floor, UFH
new DG windows + door (Bereco)
1850th cottage:
"solid" rubble walls, 500mm wide, no insulation
one and a half stories, rafters only 4 inches, rockwool insulation only in crawl space (50% of roof?)
two new DG windows at rear, front windows SG sash (completely refurbished, draft brushes fitted)
front door doubled up with 50mm Kingspan), draft stripping all round
both open fireplaces converted to WBS, chimneys lined in flexible stainless steel
kitchen floor excavated, new concrete -- insulation -- screed w/ UFH fitted
heating system:
mains gas, condensing boiler (Viessmann Vitodens 200W), separate weather compensation for radiator and UFH circuits
40x 47mm ET Navitron panels, 210L thermal store
bathroom with shower only (no bath)
Now the good news: quite apart from the fantastic increase in comfort here are a few figures for the
gas consumption (in kWh) during the heating period (mid October to early May):
2003-04 22969
2004-05 19525
2005-06 20441
2006-07 14091
2007-08 13427
2008-09 (wai-i-i-i-ti-i-ng for the new boiler, brrrr)
2009-10 8295
Luckily I have no precise idea about how much we spend

But I'm not a big fan of the purely financial perspective. We've created a house that truly feels like a home, it was (erm, still is, or have you ever seen a diy project really finished?) great fun doing it all. Would I do it again? Yes, but with quite a few changes in the details.
Klaus