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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.
It's the damp, if you don't heat your home in winter here, you are going to get aquatinted with mould quickly