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100% this.
When we first moved to our place (1950s semi), to save money we moved to one room + the bedroom and used little heating. As a result out external wall, which is north-facing got damp and mouldy.
Now with kids I have a real concern about the mould. My OH thinks I'm being OTT, but I am already worried about how to balance having enough heat to keep that side of the house mould-free while not wasting money.
How cold do your winters get?
Serious question.
Winnipeg sometimes gets minus 30 or worse. It seems lately to be trending milder, minus 20s mostly with a few bad spells.
Do you get lots of snow?