a veryj frugal with my heating and hot waler~ — frugal with my heating and hot water. ~ ., ., ., ., waterth not a heater at the moment just because - water. with not a heater at the momentjust because we - water. with not a heater at the momentjust because we can't| momentjust because we can't afford — momentjust because we can't afford it — moment “ust because we can't afford it. ., ., , ., moment “ust because we can't afford it. ., ., ~ , afford it. how do you keep warm? blankets, - afford it. how do you keep| warm? blankets, jumpers, warm? blankets, “umpers, scarves. this _ warm? blankets, jumpers, scarves. this hasn't - warm? blankets, jumpers, scarves. this hasn't reallyl scarves. this hasn't really affected _ scarves. this hasn't really affected me _ scarves. this hasn't really affected me because - scarves. this hasn't really - affected me because obviously interest rates are going in the right direction for me, personally, but i'm just worried about everybody else who has got mortgages. the recession — who has got mortgages. the recession which _ who has got mortgages. the recessi