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I keep the heat at about 62 when I actually turn it on I do bake more than usual, slow roast and do anything that creates useful heat. My bills are about $50 a month over the summer for hot water and anywhere from 150 - 350 (that was a BAD month)/month during the winter depending on a multitude of variables.
I think it was 200-300 last winter. Ours is gas. I think I had the thermometer set at 78* last year?? This year it's at 74* (programmed) then when it's particularly cold I push it up a couple of degrees. We have a very drafty old house.
That oil might last us until about January. I hope it will last longer - but not sure. I would love for it to last until May.
That's what was happening to us, a 100 gallons would last maybe a month, sometimes a little more if I wasn't cold, this is when it was over 3 a gallon, so I got sick of spending so much and decided I would try something different for a month and see what our electric bill would be. I found that using space heaters and baseboard heaters actually cost less and kept the house perfectly warm but our house is fairly small and I am not sure it would work with a larger house.