Time to turn on the heat?

When do you turn on the central heating in your home? Or if you don't have central heating when do you start loading up fireplaces and turning on space heaters? Because I grew up in Michigan I like to think that I am inured to the cold. So I usually don't turn on the heat until the thermostat in the house is below 45 degrees or until mid-November, which ever comes first. It would appear however, judging by the plumes of white vapor I see rising from some homes in my neighborhood during my early morning walks, that not everyone feels that way. We are in fall; temperatures are dropping. I believe the nightly lows have lately been just above freezing. Smart or kind people are bringing in their dogs from the backyards. I was tempted to turn on the heat a few days ago but then I remembered how much I truly hate giving money to the local utility. In January and February when it's truly cold, I will be paying the utility hundreds of dollars a month. That's no fun. So not only would I rather delay the financial damage as long as possible but also because it's fall and not winter, temperatures can fluctuate dramatically. We're supposed to have highs of 70 degrees once or twice in the next ten days. So from my perspective there's not really a need to have the heat on just yet. If people get cold they can put on a sweater, drink some tea or burrow in under a quilt. When you pay your own bills you can finally answer that not so rhetorical question your parents asked you when you were ten and told them that you wanted to turn the heat up. You know the question. "Do you have turn the heat up money?". Then as now the answer was always no.The only exception to this no-heat policy before winter would obviously be guests and babies. A house guest should be made to feel as comfortable as possible while obviously a baby needs warmth. But growing up if I made the mistake of saying I was cold someone would almost certainly say that they had some work for me to do which would take my mind off of the temperature. That was also the same answer I got if I ever said I was bored. Hmm. So I think I will stick to my no-heat policy just as long as I can. I like the current low bills I get from my utility company.