It is the same every year. Around late September, everyone is just about fed up with the warm weather. We complain to whoever is listening. All we want is some cooler weather. Then it comes and nobody is ready for it. We all want to know what happened to Fall. Nobody is happy.
So since we can't avoid the cold weather, we must prepare for it as best we can. This is a link to a great article on "Winterizing" your home.
By being proactive and protecting your house now, you will save a lot of money in the long run.