I'm shuddering at the moment -- from heat, not wintertime cold.That's because my heating-oil company just made another delivery -- and thinking about my energy bill gives me the shakes. A $462 check I wrote last month to cover my first oil delivery -- about 145 gallons -- reflected continuing news about rising oil prices. I'm expecting a $400 bill any day for my second delivery. And it's only the middle of January. Last year, my family became one of the 8.1 million U.S. households that use heating oil as their main fuel. My husband, Ben, and I relied on natural gas for heat and cooking during most of our lives. That changed, however, when we moved from a populated area of New Jersey to a more rural locale in Pennsylvania, where oil heat is the norm. We're not the only ones feeling the squeeze. The rising cost of gasoline is on the minds of many Americans -- especially after the price of crude oil eclipsed $100 per barrel this month. Paying more than $3 per gallon to fill up at Exxon-Mobil ( XOM) or Chevron ( CVX) has become the norm. However, many northeastern households -- which account for over 80% of the nation's heating oil consumption -- are also paying the equivalent to heat their homes.