Replace wall heating with a forced-air unit. Replace the water heater. Concrete driveways add more value than asphalt driveways. Avoid pools, spas or saunas. They don't add much value and may be a selling drawback.
Debt means servitude.
Reduce or eliminate it with the Consumer Credit Counseling Service. Look 10 years ahead at how your spending will or won't contribute to your long-term goals. Teach yourself how to use your neglected appliances. Pressure cookers and crock pots can cut cooking time and make inexpensive at-home meals more appealing. Make it a family affair.