Yeah, the heat is set at 65 here also unless one of us has a cold, then, if we are feeling like living in the lap of luxury, we hike it up to 68 degrees! Otherwise, the standard answer around here goes something like this:

"Can we turn up the heat?"
"No, put on another pair of socks."
"I'm still cold."
"Put on another sweater"
"I did. I'm still cold. Oh the heck with it, I'm going to bed where it's WARM!!!!"

I get plenty of reading done that way...all curled up under about 4 quilts or so!!

As for the skirting...our house sits on a slope, so only part of the house has a great deal of space underneath...and that is where it gets so cold. There is wood there but it simply needs MORE insulation. It seems that each year, time slips away from us and it doesn't get done...this year by darn....it is going to HAVE to...can't afford the hike in the heating prices!

Michelle