See, a lot of people don't seem to understand the importance of a heated home and think 'layering up' is a comparable alternative.
Short story, it's not. There are a bunch of very good reasons to heat your home. One being that breathing in cold, moist air is not good for you long term. You will get sick more often. How much is a week off work worth to you because you are sick trying to save some money on heating?
You also can't think well as your body diverts energy to your muscles to warm you up abs you get brain fog. your extremeties like fingers and toes do not keep warm enough and you put extra wear and tear on your cartilage because of this. Layering doesn't help this.
The you've got the health of your home. Cold attracts moisture. Moisture attracts mold and mildew. Mold and mildew destroy your possessions, as well as make you sick. Again this costs you money. If you own the home and aren't renting then the damage from moisture is no doubt way more than anything youll save.
Honestly saving money by living in perpetual cold has to be one of the absolute worst ways to 'save' said money. Absolutely the last thing you should be cutting, with the only thing more important and a higher priority being food.
Best thing most people can do is invest in a dehumidifier. Dry air is easier to heat, so you use less power to get the same amount of warmth and your home and you are healthier for it too.