I live in a modern apartment which is very well insulated and has underfloor heating.  I haven't needed to use the heating so far this year since last winter. It is slow to heat up but keeps the room at a nice temperature without drying the air right out like central heating often does.  

The first sign of cold over the last couple of weeks has meant that I now keep the living room door shut to trap warmth in the living room - which comes from cooking tea in the kitchen and that is all that is needed.

When the mornings start getting really cold I set the heating in my room to be on for when I wake up and then I leave it off for the rest of the day since I tend to live in the living room.  If it is really bitter cold outside or I am unwell then I'll have the living room heating on low for longer, it seems to be more energy efficient to do that than to keep turning on and off.