We have our furnace on a timer. At night we have it set to go down to 58. During the day it is set to 67. I lay under lots of quilts or fleece when I am sitting down and use an electric mattress pad at night. Usually if the 3 cats are next to me, it's like having 3 little heaters. I do tend to dress in layers but hands do tend to get cold at times. Our budget heating bill has gone down every year because of our savings. The timer is under $40.00 and easy to wire. There are usually 4-6 changes you can program in for the heat and/air if you have it. We saved enough in the first 6 months to pay for it.