<prompt> Human: In Germany, I pay 200 euro a month regardless of how much water, gas, and electricity I use. Since I used less than 2400 euro what I used last year for the year, I got the difference back.The coldest my house got was about 45F and I just wore sweaters and occasionally gloves. I got used to it after awhile. I also dont have a wife or kids so that makes it easy.  <response>: If you live in a cold climate and are thinking oh boy! Ill just shut my heat off to save money! Dont do it. Install an programmable thermostat and simply turn the heat down during the times you are not at home. The risk of dealing with frozen pipes will blow all of your savings from turning the heat off. 