How to heat

little bit of insulation would help out quite a bit but in your location I wouldn't spend too much money in that department
Insulation will always be your cheapest fuel source.

Example. A lady in a 1800 sq house spent 300 a month on heat, another in an almost 4000 sq ft house about 100, biggest diff was when the houses were built. 300 =1960s, 100 = 2000. Difference is massive amounts of insulation In 2000

This is based on real numbers personally known to me.