1. Some mornings, I have to scrape ice off the car before I can drive off.
2. We've turned the central heating on. Most of the time we try to avoid using the heating but we've decided that it should be on for at least an hour in the mornings and evenings.
3. We've had to turn up the temperature on the shower, otherwise the water comes through cold.

Thankfully it's not been too cold yet, but I'm sure it'll get colder when we get to winter proper.