I'm sure this must have been asked before, but I couldn't find it, so here goes...
What temperature is your room heating thermostats set for?
Do you have a range, below and above which you feel too cold/too hot?
DH has ours set to a default of 18.5 c. I nearly always feel cold. 
When I complain he says I can turn them up, and I do, but they default back to 18.5 every 24 hours.
Cost isn't really the issue and we can afford to pay the bills, but I just don't think he and DS feel as cold as I do.
We went to friends on Friday who have a lovely big kitchen diner with a woodburner and it was all so cosy and welcoming I could almost have cried with joy!
I feel our house is cold and not very welcoming.