Using trading values to calculate the value of the saved firewood, a stone house pays off the investment of building it (instead of a wooden house) in ~5 years (in pure resource costs, assuming you're trading the firewood for the building resources - the time to pay off is slightly higher, due to the opportunity cost of using the trader). Wooden houses burn (very approximately) 30 firewood a winter, while stone houses burn roughly 15.This lets you upgrade a wooden house to stone without worrying about making the occupants homeless in the meantime.
If it pops up that they've died, you can pause the game quickly before anyone moves into the house, and mark it for upgrade to a stone house. If you have an elderly person living alone in a wooden house, keep track of their name.trade away some spare fish for a shipment of pecans. Food merchants will trade most foodstuffs 1:1 if you haven't placed orders - use them to diversify your food supplies to make your citizens happier, e.g.
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