If you struggle to pay normal bills, letting it warm up makes the bill higher. So grow up poor, and you find out lots of habits of yours exist to save less than a dollar a day.
Does water service not come with a base volume in most places? Where I am, we have a base service fee of $20/m and that includes like the first 2000 gallons, and I struggle to even hit that most months. Jumping in a cold shower wouldn't actually save me any money .
Same here, lived in a few different states and usually never got out of the first “tier” pricing bracket (where this billing method was used), so my water bills were pretty much to the penny the same every month.