I have a 2 bedroom, terraced house but open plan downstairs including the stairs and landing. I have the heating set at 20 for the daytime until about 8pm.. this is costing a direct debit of £96 pm and that covers the bills. I did have the CH boiler replaced 3 years ago and have it serviced yearly.. also have double insulation in the loft floor and the roof space. I think having houses each side helps and the house is nice and warm if I keep an even temperature all day long..
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