Omg. My husband rarely turned the boiler on unless he was going to take a bath. We have an electric shower.
When I moved in I told him hot water was not a luxury where I come from and it won't be now. I gladly pay the extra electric for the convenience of having hot water.
Hot water has been a luxury for me since 2012 (I first came over for a "visit" in June that year). In the old house, our heating/hot water was fueled by oil. It was expensive and our house was really draughty. Plus, we paid our landlord for the oil we used, so we made a conscious effort to use as little as we could. One delivery, our share of the cost was so low, she didn't bill us for it.
We had a thermostat/control panel in the bathroom cabinet where we could individually turn on the boiler and/or the heating. After a few winters, I realized turning the heating on also provided hot water at the taps so I started doing the washing up during that hour in late afternoon/evening when I just couldn't take being cold anymore and turned on the heating... no kettle required!
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(So, too bad if you had to be to work at7:00am - the boiler didn't come on until 6:00am and with an hour's commute....)
Oh, ugh! How do you wash in that situation? Nothing could persuade me to take a cold shower! At least, not in winter!