My house was built in '58 and didn't have an ounce of insulation when we bought it. Since then we've insulated the attic really well, but the walls are a challenge. The exterior has concrete/asbestos shingles, and the interior is plaster covered slat walls. The spray insulation guy that I talked to needs to drill holes in order to spray, and both options (inside and outside) have their own set of issues that I'm not yet willing to deal with financially at the moment. Ultimately, I'd like to remove the asbestos shingles, drill and insulate, and then replace with vinyl siding, but my state won't allow me to remove the asbestos without paying a certified contractor. If I could do it myself, I'd save a boat load of money.
Dead standing hardwood is in plentiful supply. It's 21F outside, and 74F in here right now, so I just burn what I need to burn to stay warm.......with my hat on of course.