I tend to be cheap, not even just frugal, but it's worth it to me. During my first winter in my own place, I set the thermostat to the low 60s F to save money. After about two weeks I concluded that feeling perpetually uncomfortable in my own place wasn't worth whatever money I was saving. It felt like trying not to drink water when thirsty to save money. Warmth is just such a basic human need. Better to save in a number of other ways. I definitely wouldn't do this to my wife and kids now.