Since few years winters in our part of Europe are a lot hotter then it use to be decade ago. but even so, still in time of cold months we have to pay bills for heating to keep the house warm.
Families who are living in homes have a lot more privacy then lodgers in a mansions. However when building is older then several decades it requires some renovation sometimes. But to renew whole elevation, insulate the walls and change vintage, porous windows is a lot of labor, one person is not able to handle it.