How to start seeds indoors?

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I am looking for economical ways to start several flats of seeds indoors. My house is kept in the low to mid 60's, so I am afraid that the soil would cool off even if I use a heating mat (any ideas for these also welcome). Some of my seed packages say to provide 70-80 degrees. Is there a way to insulate them and provide light at the same time, without breaking my budget?

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