Here are the tricks we use to stay warm in the winter while also keeping utilities low.
1. Bubble Wrap your windows.
This is an incredible inexpensive (20,000 \ for our three bedroom apartment) and easy thing to do to save a few bucks. They will be selling bubble wrap at Emart and Homeplus pretty soon, or us Ask Adjumma to order it for you online. We go through and cover every window in the house and it keeps us at least 5 degrees warmer. Since I don't like to heat my house, this a huge difference for us. It can save you between 50-100,000 \ a month. Here is quick explanation and tutorial. We do this every year and keep us warm and our bills much lower.
A nice way to keep a bit of extra heat in the house is to use a front door guard during the winter. We actually have used tub socks and rice, but here is an option for using an old pair of blue jeans for a DIY door guard. You can also use tape instead of sewing if you don't feel fancy. You can also buy a body pillow for about 20,000 \ and use that just as easily.
We use an electric heated bed mat. There are also electric couch, chair and floor mats. They come in all price ranges and really make winter more enjoyable. A nice one runs between 75,000 - 125,000 depending on size. We like them better than blankets. The one warning is that they will dehydrate you so be sure to drink a lot of water before bed and when you wake up. Also, be sure to turn them off when you aren't home.
4. Using your heated floor the local way
In order to stay warm and not spend all your money, it's important to understand your floor heating system. Here is a relatively not boring summary on this from EYK
5. Fuzzy Slippers (and everything else)
This sounds silly, but winter is a lot more enjoyable if you have a good pair of fuzzy slippers. Keep your feet warm and the rest of you follows. We dress this way at home all winter and kind of love it. Here is EYK once again, showing you a few more tricks.