Hello, I live in a house in Indiana that was built in 1908. The heating ducts run from the ground level, down through the basement, and then up to the second story. The heat barely trickles into the second/top level, which is where the bedrooms are. The bedrooms are also the attic, which has no insulation whatsoever and each bedroom has 2 closets which are even colder than the rooms themselves. The winters are cold and miserable at night, with the heating bills going up to almost $400.00 per month. I keep the furnace set on low (60 degrees) since it doesn't help much to turn it up anyway, and supplement with electric heaters in whatever room I'm in. I'm a single mother that has no idea how to do much of anything when it comes to home improvement. What can I do? Any simple and/or inexpensive fixes?