Hi - I purchased an old farm house that had been rehabbed a few years back. Of course its cool in the summer and cold in the winter. I don't think they lined the outside of the house with anything just put vinal siding over the old board siding. Would it be cheaper to put in a wood stove or have someone remove the siding, wrap with insulation and put the siding back on? Also the house sits right on the ground so there is no insulation between the floor underneath the house. Any options I have insulating in Kentucky? This was a cold winter! Thanks!