For me, the period between late January and mid February, is crunch time! That is the portion of every winter when, if you are going to get killed with heating costs, really low temperatures can do a number on most everyone down here in SW Missouri. Hopefully, that will not be the case this month of February!
Update: Just as soon as I posted this, I knew it would be bad luck. The National Weather Service which was forecasting a Feb 10th warm up have revised that to a trend to colder weather!