A lower indoor temperature and more layers
Short answer: Turn the heating down a couple of degrees and one extra thin layer can cover the difference. Dressing for it is cheaper than heating a whole home.
What one layer is worth
A thin layer against the skin is roughly equivalent to a couple of degrees of perceived temperature. Two layers cover more than that and can be taken off again when you move about.
Start with the layer against the skin
That is where you notice the difference first. A thin layer sitting close that moves moisture keeps you dry, and dry skin feels the cold less than damp skin. See bamboo undershirts for women.
Feet, neck and wrists
Heat is lost fastest where the skin is thin. Socks, a high neck and long sleeves do more than a thicker jumper over the body. See bamboo socks for women and sweat clothing.
Frequently asked questions
How much can you save
It depends on the home, but every degree counts on the heating bill.
Do you get used to a lower temperature
Many people do after a couple of weeks, especially if the layers sit right.
What about the bedroom
Many people sleep better cool. An extra layer on the bed is easier than heat in the room.