The Spokane Housing Rehabilitation Program has funds available for low interest loans for home improvements and emergency repairs. There are income guidelines for those who would qualify. Call the Spokane Neighborhood Action Program in your area. Reducing your heating needs is an effective way of keeping heating costs down. Most utility companies have services to assist in finding solutions to your heating needs.
Some utility companies have conservation and weatherization programs available.
Contact your utility company for further information. About 10-15 minutes after you've started your fire, go check your chimney stack. There should be no smoke or smoke should be barely visible.