I am very, very low income. Saving is not an option. I did qualify for a low income senior citizen weatherization, and they are the ones who told me what the R rating was. however, my roof has deteriorated so badly that it is down to bare wood and it leaks. Thus, they cannot insulate because leaks will weight down the cellulose (newspaper) insulation and cause the ceiling to collapse. The edges of my roof (ends of the trusses) are actually rotting and falling off. The quote to replace the roof and insulate it is $18,000. That is just about what I make in a year.
I am grateful for every day I have a roof over my head...literally !