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I keep my thermostat at 50, and bump it up just enough to turn over the furnace when I'm up and about the house. I don't heat the basement - I closed up the forced air vents - but the heat from the furnace running keeps it above freezing.
I live alone. All I really need is warmth a half-inch around my body at all times. Heating the rest of the air in the house is a waste. So I just bundle up or throw a blanket over me. So that's 18 degree days (68 - 50)worth of oil I save every day of the winter. At $3 per gallon, that's a lot of money. And I dont' feel like I'm suffering. I'm warm right now - my hands are just cool.
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