The next heating bill will not arrive until next summer. However, you can influence this now and this can be worthwhile given the current heating oil costs. If you keep your whole apartment at a temperature during the cold season that guarantees comfort wearing only a T-shirt and briefs, you will have to dig deeper into your wallet for the heating bill than in previous years. However, with a few targeted measures, heating costs can be reduced considerably.
We heat to avoid freezing. In reality, however, we often heat beyond this target, which is pointless. Every degree too high means 6% of heating energy is used unnecessarily, and every degree less reduces consumption accordingly.