I own a very small flat but don't have any central heating or modern windows. Can't afford either at moment so will just have to live with it. I have a halogen fire which I have right at my feet (me and cat fight for space - he usually wins ) but can only afford 1 bar on. With muffling up like snowman I am usually warm enough.
But its when I am in bed I am cold. I wear fleecy pyjamas, socks and a thermal vest, I have 2 (cheap) 13.5 tog duvets on my bed, 2 dressing gowns, a wheat pillow and a blanket but I'm still cold. Is it worth investing in a good duvet or any other ideas please?