So true SS, this is my 3rd winter here.

Budget depends on what you do with your time, if you are a big drinker or want to go out a lot. First year I over-budgeted for taxis, and rarely used them, found myself enjoying time at 'home' more than I thought I would.

What some folks spend on 1-2 weeks vacation, would cover me 2-3 months.

Send me a pm with your email for more discussion.