I'm in a bit of a tough spot. My wife and I are fresh out of college (well, 3 years ago) so we are paying on student loans as well as a house loan and two car loans...needless to say we are tight on cash. The bank won't give us another loan and American Express won't up my credit to cover the $2,500 I will need to get a stove and chimney and install it. So, what did you guys do? Anyone else in a real tight spot have a creative solution? Or is it just save, save, save? I really want to get a stove in before next winter. Fuel oil is already up to $3.75 here and I'm willing to bet it'll be above $4/gal by next heating season.