Why does the woman want to stay outside?

M: Isn’t it rather cold outside, Sally?
W: It is a bit, but I can’t stand the terrible smoke inside. I’d rather stay here if you don’t mind.

W: We’ve lived here in Thornton for 5 years now and I think it’s time to have the house painted.
M: You’re right. Mr. Johns, our neighbor just had his house painted. But we cannot afford to do it unless we paint it ourselves.