Jim,
do you have an oil fired boiler, or forced air? Today, I got another gas bill for $138 for through Jan. 5th.
The temp. in our house is actually about 68 or 69 at most times, and we wear a sweater, hoodie, or sweat shirt over the first shirt.
Growing up we had a coal furnace in Detroit, then oil forced air at first in the 1944 built G.I. house in the suburbs. When my dad had to rebuild three walls of the block foundation because it was back filled with clay, (we all helped dig it out) he removed that old oil burner, tank, and put in gas. Oil is more expensive.