I disagree. Heaters with thermostats will keep the temperature at a constant level. If the light heats the water, the heater will turn off until the temperature drops again- then it'll kick in.
I had the same problem with one of my betta bowls. I didn't think a 4 degree temperature flucuation would be too stressful, but eventually he got sick. Try wrapping a warm heating pad (like the kind you heat in the microwave) around the tank at night, along with some towels. Also, try to rest the tank on some styrofoam. This will help keep the heat in at night. If this doesn't work, or it's too much effort to do each night, I would get either an electronic heating pad which the tank rests on (the heating pad should be on all day, even when the lights are on), or a 7.5W or 25W heater.
I wouldn't recommend keeping the light on all the time for two reasons: it promotes unwanted algae, and fish should have some time in the darkness, just like they would in the wild. If the light is on 24 hours a day, they would get too stressed.