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Another thing is the interior of your house. The regular walls will be alright, but not if you wish to save as much warm air inside as possible. You must to get any information about interior paintings, fibreglass mesh, and other objects that will do this job well. Also, even if you are staying in apartment, mostly with self heating, you may consider to invest in this, because it will lower your costs likely, just wait for winter to come. Good option will be wainscotting, but some people are worried about getting bugs over it.
Last but not least, is external wall insulation, the most important of all – here (here). If you won’t do it in good way, another two alternatives will be spoiled. You have a lot of materials available at the moment, in different prizes. You might also install exterior playwood, which would change the design of your house. There are plenty of another colors of it, it may looks like an oak, or nut tree, be far more modern, like steel, or fake of glass. The only edge is your imagination. But the most relevant – it will help you to keep the warm air inside your house.
When you are creating your own house, you got plenty of decisions to make. The size, height, number of floors. You have to find contractors, get the greatest fibreglass mesh and air bricks. But beside that, do not forget to invest into professional windows and interior & exterior wall insulation, cause it will assist you to save many of money during the winter.