Yup. BTDT. I survived w/o any gov't money, too. Imagine that. Sure 55F is cold in the winter, and no AC can be pretty miserable especially when the house has no tree cover, but it can be done.
I have been doing that too. However, you need to be very careful if you have children. You tell anyone your house is 55, and the CPS will be there in two shakes, telling you you'd better make it 60 or surrender the minors. I am not kidding.