You can install the greatest HVAC system ever built, but if your house is not insulated well, it's only going to end up costing you more money. Older homes may have fiberglass insulation that has broken down due to pests, moisture, or improper installation. Spray foam insulation can be damaged by careless repair or modification work or can be improperly installed. If your insulation in compromised, your attempts to save money and be comfortable will be in vain.
Consider what kind of heating and cooling system you want installed for the square footage of your home. Do you want a full system with a thermostat or a specific machine for the summer like a swamp cooler? Do you need a new furnace just for the winter? For any of these projects, the cost will vary depending on the quality, style and machine size you choose. If you have a tight budget, think of going smaller and upgrading over time. For example, if you can't afford to convert your entire home to solar power, you may want to consider only utilizing it to heat your water. Some other types of heating systems are:
Fuses -- Anyone who has worked with electrical systems knows all about fuses and how they fail. They can burn out over time, may just be loose, or can blow out during an electrical storm or due to overload from another failed component. Of course, that's what they're supposed to do; they stop surges from going through and damaging the rest of the system. When a fuse fails, whatever system it was protecting will stop working.
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We installed a TRANE XL18 HVAC with a TRANE HV80 furnace 16 years ago and it still works great in Tucson, AZ. We inquired into a replacement for the future since the R-22 refrigerant will be off market at the end of this year. Our maintenance folks want to sell me a new system anyway (even though the TRANE works great). We are considering the BOSCH Inverter heat pump as a lower cost option down the road. Watch out for the tricky salesmen trying to sell beer at champagne prices though. Get estimates on whether you need to replace your current system and how much it could cost. And if they are factory certified.
Humidifiers/Dehumidifiers: Humidifiers add needed moisture to the air in winter and very dry climates. Dehumidifiers remove dampness any time of the year. Central air conditioners dehumidify too, but in very humid climates, you might want to remove humidity without also cooling the air. You have a good range of options for both of these HVAC accessories. Whole-house humidifiers cost $350 to $800 installed, while dehumidifiers are $1,250 to $2,000 or slightly more.
Before opening the electrical cover on the A/C unit, be sure to shut off all power to the compressor unit and the indoor furnace or air handler, and verify that it is off. Note that this may mean shutting off a circuit breaker that serves the furnace and air handler, and then, near the compressor, pulling out the disconnect block (or shutting off the 220-volt power) to the outdoor compressor.