> as far as heat goes, well, one could either pay a little extra in electric for that — or they could have the Amish deliver their scrap wood from their sawmills to burn in a wood stove, very cheaply.
Also, conveniently, neither appear to have an associated cost so we don't have to worry about whether the financial math works out.
I live in the northwest, so I can't speak to upstate NY, but downed trees on state and federal land near roads is free to take. Every day there's people posting rounds of wood for free to take.
It's hard work, but it's good exercise and rewarding.
There's some upfront investment: $200 chainsaw, an old maul, and an old pickup truck, but those amortized over a decade is practically speaking $0 heat.
If you're living on $432 / month and working 30-40 hours at this cashier job then using your off days to grab and process wood is honestly pretty miserable. There are slums in developing countries with higher standards of living because they can heat their "house" (read: tent or hut) with oil.
We cut wood for our own use and also sold it, so it didn't require 100% of our time to keep the heat on.