The Florida tourism industry knows how to play off Northerners' frustration with winter. Ads always feature an image of a furious blizzard and say something like this: "When you've got it bad, we've got it good. Florida." But a trip to Florida or other warm locales in high season equals a heavy hit on the wallet. Making your home cozy turns it into a warm respite from winter, and though it has no ocean lapping at the beach footsteps away, you can do it without major outlays of cash.