Green Loans - Why Does it Cost Money to Save Money?

This weather is dictating my domestic aspirations. It's too wet to cut the grass, too cold to wash the car, and too dark to fix the shed. The heaters are on full but the house is still so cold I'm wearing two jumpers and a woolly hat and gloves just to feel comparatively warm. I'm wondering if the climate now is just varying degrees of unbearable cold.