Energy bills

Roshni Ward, 30, and Louis Hunt, 33, were fed up with the UK and high living costs

A British couple, fed up with the UK’s “poor work-life balance” and cost of living, have found their own paradise where their water bill is a few pounds and a meal out costs a fraction of what it does at home. They say that, in Thailand, they save a whopping £1,000 a month on rent and pay just £2.76 for water bills.

Roshni Ward, 30, and her fiancé Louis Hunt, 33, were exhausted from working 11-hour days and overtime in their flat in Rye, East Sussex, and yearned for a “slower pace of life”. The pair decided to pack their bags and move to Chiang Mai, Thailand, last September.

They were instantly smitten with the laid-back lifestyle, friendly locals, balmy 30C weather, and breathtaking architecture. Their monthly rent is now a mere £300, which includes access to a gym and pool, while water bills are only £2.76, taxis cost £1.50, and takeaways are just £2. This has resulted in savings of over £1,000 compared to their previous UK rent of £1,350.

Roshni, who now works as a content creator, said: “We always wanted to move abroad and had toyed with the idea of it. The UK didn’t feel safe and a poor work-life balance meant we were too burnt out to enjoy life.

“Since moving, we love the slower pace of life, as well as the weather, the rich culture and the welcoming locals. And the cost of everything is so much lower, which was a shock to the system – in a good way! If we can help it, we won’t come back to the UK.”

Roshni and Louis began earnestly considering an overseas relocation following their return from a Thai getaway in December 2024. Roshni was employed full-time as a corporate team leader in broadband sales and revealed she’d frequently find herself putting in extra hours at weekends, preventing her from unwinding and savouring her leisure time.

Louis was employed full-time as a carpenter, enduring 11-hour shifts including his commute, and would become physically drained as well.

Roshni said: “There was a poor work-life balance. When we got to the weekend, we were so burnt out that we didn’t want to do anything.”

They also felt insecure in the UK, especially Roshni as a woman, owing to crime rates, and recalled from their December break that they felt considerably safer in Thailand. So the moment their lease on their rented property in Rye expired, they started searching for rental properties in Thailand and relocated to Chiang Mai on September 3.

Roshni and Louis both quit their UK positions – with Roshni becoming a full-time content creator and Louis becoming an online fitness coach. She said the residents were all incredibly friendly and everyone was prepared to assist you if you were struggling.

There is a substantial community of international expats, providing plenty of chances to encounter fresh faces and mingle. The pair love exploring stunning temples, elephant sanctuaries, Thai eateries and waterfalls.

Roshni said: “There’s something for everyone in Chiang Mai.”

The couple have discovered that swapping the UK for Thailand has slashed their living costs dramatically. Despite both working remotely for international clients and earning UK wages, they’ve found life in Thailand to be a fraction of the cost.

Their stylish condo, just a ten-minute drive from the city centre and boasting a gym, swimming pool and co-working area, sets them back a mere £300 per month. This is a stark contrast to their previous flat in the UK which cost them a hefty £1,350 each month.

Utility bills are also significantly cheaper, with water costing a mere £2.76 compared to the UK’s steep £76. Even getting around is a bargain – a 20-minute taxi ride in Thailand will only set you back £1.50.

Electricity bills are another area where they’re making huge savings, paying just £44 compared to the UK’s whopping £300. And because taxis are so affordable, they’ve ditched owning a car or bike, saving even more on fuel and maintenance costs.

Eating out is also a steal, with takeaways costing between £1.50 and £2, and a full meal and drinks at a restaurant coming in at just £8 – a far cry from the UK, where it would be around £60. Roshni added that pints of beer are “no more than £2”.

The only item they’ve found to be pricier in Thailand is Bisto gravy granules, setting them back around £5 due to import costs. But despite the financial benefits, what they love most about their new home is the slower pace of life and the rich culture.

Roshni said: “In the mornings we can get lie-ins, go to the gym, have a swim and then start work. In the UK, everyone starts early and is asleep by 11pm, here, you could finish work at 10pm and everything is still open. Louis has some UK clients – he can have a business call at 11pm and we can still go out for a meal after.”

They are smitten with the culture – the opportunity to visit stunning temples, elephant sanctuaries and tours – as well as the tranquil and friendly locals.

She said: “Anyone will stop and help you if you need it. In the UK, if someone foreign came up to you asking for help, most people wouldn’t stop.”

Despite their short stay in Thailand, they are so enamoured that they can’t envision returning to the UK.

Roshni revealed: “We would like to stay permanently. We’d be more open to starting a family here than in the UK because it’s so much safer. We’ve just fallen in love.”

Costs: UK vs Thailand

Monthly rent: £1,350 vs £300

Monthly water bills: £76 vs £2.76

Monthly electric: £300 vs £44

Monthly transport: £95 for car costs vs £30 for taxi

Meal out: £60 vs £8

Pint of lager: £5.50 vs £2

WARNINGS of potential blackouts this winter have been issued, with “tight days” for energy supply expected in early December and mid-January.

The National Energy System Operator (NESO) has warned that there may still be tight periods this winter where electricity supply struggles to meet demand.

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In these cases, system notices could be issued to increase production, with imported electricity from Europe helping to prevent blackouts.

Despite the concerns, NESO says spare supply, known as electricity margins, is at its strongest level since 2020.

It added that new battery storage along with European imports will play a key role in avoiding disruptions.

The electricity grid operator and National Gas released their winter outlook reports as energy prices rose earlier this month following an increase in the price cap.

NESO’S report said: “We expect a sufficient operational surplus throughout winter, although there may still be tight days that require us to use our standard operating tools, including system notices.”

System notices are how the grid operator informs the wider energy industry that electricity supply has not matched demand, allowing for production to increase if needed.

Early data from electricity firms and forecasters has suggested that “tight days” are most likely to take place in early December or mid-January.

Neso added that imports will be available when needed to help cover demand, supported by “adequate electricity supply across Europe”.

Deborah Petterson, director of resilience and emergency management at NESO, said: “A resilient and reliable energy supply is fundamental to our way of life.

“At NESO we are looking at the upcoming winter and can report this year’s winter outlook sets out the strongest electricity margins in six years.

“It is critical that we continue our work with the wider energy industry to prepare for the coming months to build on this foundation and maintain our world-leading track record of reliability.”

What about gas supplies?

The latest analysis from National Gas indicated that Great Britain has enough gas supply capability to meet peak demand.

It indicated supply can meet demand, even “even accounting for unforeseen network outage scenarios”.

The gas network operator said gas demand is expected to be 3% lower than last winter, easing pressure on supply.

It said high-demand days are still expected but it stressed that it is “confident” the market will operate as needed.

Glenn Bryn-Jacobsen, director of energy systems and resilience at National Gas, said: “As we head into winter, we remain confident in the resilience of our gas system and our ability to meet Britain’s energy needs during periods of peak demand.

“The energy landscape is evolving, with a growing reliance on imports and the continued decline of UK continental shelf supplies.

“Meeting these challenges requires a co-ordinated, forward-looking approach, and we’re working closely with Government, industry, and regulators to develop the right solutions that safeguard security of supply for the future.”

But the report from National Gas shows a fall in Britain’s gas storage capabilities, thanks to the Rough storage site off the coast of Yorkshire no longer storing gas, which means there is an increased reliability on importing liquified natural gas (LNG) to plug the gap in times of high demand.

The facility in the North Sea is the largest of its kind in the UK, but owner Centrica has stopped filling it with natural gas amid concerns over its financial viability.

The Rough site comprises about half of Britain’s storage capacity, and acts as a buffer when the weather is especially cold and demand for gas spikes.

Centrica has long warned it will be decommissioned without government support to allow investment in the site.

Last winter, Britain narrowly avoided blackout warnings as freezing weather caused wind power to plunge, leaving the grid struggling to meet demand.

NESO paid £21million – ten times the usual rate – to keep gas power plants running to balance the shortfall in January.

Experts criticised the system operator for failing to predict peak energy demand and relying too heavily on renewable energy during winter.

Wind power dropped to 17.6%, while gas provided half of the country’s electricity.

Critics argued this reliance on weather-dependent energy left Britain vulnerable and called for more investment in gas and nuclear power for reliable supply.

PAYING close attention to your boiler can help you cut down on your energy bills.

In fact, one small change can save UK households up to £200 this winter.

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Experts have advised UK residents to take a closer look at their boiler dials before the winter weather sets in.

According to the pros, a simple adjustment could cut annual energy bills by as much as £200.

Boiler specialists at Your NRG, the UK’s leading independent fuel distributor, shared their expertise.

They explained that many families are paying more than necessary because their central heating flow temperature is set too high.

Around 80% of UK homes use a combi boiler, which heats water directly from the mains without a storage tank.

However, most homeowners do not realise that the flow temperature, which is the temperature of water circulating through radiators, is often set unnecessarily high.

Hidden dial

Locating the dial that controls this and reducing the setting from 75-80 degrees celcius, down to around 60 degrees can improve efficiency.

This will help to lower your bills by up to 8%, which could represent savings of around £200 a year for the average household.

But make sure you’re turning the correct dial and not confusing the flow temperature dial with the hot water temperature dial, which controls water used in taps and showers.

It is vital not to lower this dial as hot water must be stored at a minimum of 60 degrees to prevent the growth of legionella bacteria.

Adjustments should only be made to the dial marked with a radiator or thermometer symbol.

And for homes with heat-only or regular boilers that heat a separate hot water tank as well as the central heating, the advice differs.

Caution message

These boilers often have only one dial, which should never be set below 60 degrees for safety reasons.

Adjusting the central heating flow temperature on most combi boilers only takes a few minutes. 

Most models have a flap at the bottom to reveal the controls, and for boilers with a pointer rather than a digital display, setting it to the 12 o’clock position usually lowers the flow temperatures to 60 degrees. 

Homeowners who are unsure are advised to ask a heating engineer to make the adjustment during the next service.

More on home heating

Plus, an £18 buy from The Range that will keep your whole family warm.

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And a completely free way you can keep your house warm, and it only takes minutes.

A luxury gadget will cocoon you on winter nights, and only costs 4p to run.

We’ve rounded up the best heated throws to keep you cosy without racking up your energy bills.

MILLIONS of pensioners will be hit with £300 tax bills from HMRC this winter.

From November, around nine million pensioners will begin to see up to £300 land in their bank accounts.

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The cash boost comes as part of the Winter Fuel Payment, which is a benefit issued by the DWP to help elderly people with fuel costs over the colder months.

It comes after a previous £300 payment was axed for millions of pensioners last winter and only those on certain benefits qualified.

The move triggered a massive backlash for Labour as some 10million pensioners lost their winter fuel allowance in the benefit cut.

It saved the Treasury just £1.4billion but caused a massive public outcry.

The government later cracked under pressure and was forced to perform a half baked U-turn.

Most pensioners are now eligible for the support, which is worth between £100 and £300.

However, if your income is more than £35,000, HMRC will take the money back.

Your income can come from a range of factors including your private pension and state benefits.

If you fall into this earnings category, you can opt out of payments.

But the deadline to do so ended on September 15.

What happens now?

If you did not opt out, HMRC will change your tax code and you will receive a tax code notice letter.

Changing your tax code means that your Winter Fuel Payment will be deducted from your income and paid to HMRC in monthly instalments.

So for example, if you received a £100 Winter Fuel Payment but had an income of £35,000, you will pay back around £9 every month.

You will be charged from April 2026, which is the start of the new tax year.

Households can check if they are over the income thresholds by visiting www.tax.service.gov.uk/guidance/check-if-hmrc-will-take-back-your-winter-payment/start/country.

How to opt out of future charges

The deadline for opting out of the Winter Fuel Payment for 2025 to 2026 has passed. 

But you can opt out of getting the benefit for 2026 to 2027 from April 2026.

When it reopens, you will need to complete either an online form or phone the helpline on 0800 731 0160.

If you opt to complete the form online, you will need details such as your National Insurance number.

Who is not eligible for the payment?

You can get a Winter Fuel Payment if you were born before September 22 1959 and live in England or Wales.

But a small group of individuals will not be eligible, including:

• live outside England and Wales
• were in hospital getting free treatment for the whole of the week of 15 to 21 September 2025 and the year before that
• need permission to enter the UK and your granted leave says that you cannot claim public funds
• were in prison for the whole of the week of 15 to 21 September 2025

Most people are paid the benefit automatically but if you think you are risk of missing out you can apply.

THOUSANDS of pensioners will be able to apply for a winter cash boost worth up to £300 in just days.

More than nine million people are set to get the Winter Fuel Payment to help with their energy bills over the colder months.

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Most people who are eligible will get the payment automatically, and will receive letters in the post from the DWP in October and November telling them how much cash they will receive.

However, certain pensioners will need to apply to get the benefit.

You can apply either by post or over the phone, and the DWP phone lines to make a claim open on October 13.

Postal applications opened earlier on September 15.

Pensioners have until March 31 2026 to make a claim.

The Department for Work and Pensions (DWP) has said that anyone claiming the following benefits does not need to make a claim:

• State Pension
• Pension Credit
• Universal Credit
• Attendance Allowance
• Personal Independence Payment (PIP)
• Carer’s Allowance
• Disability Living Allowance (DLA)
• Income Support
• income-related Employment and Support Allowance (ESA)
• income-based Jobseeker’s Allowance (JSA)
• awards from the War Pensions Scheme
• Industrial Injuries Disablement Benefit
• Incapacity Benefit
• Industrial Death Benefit

If you don’t receive any of these benefits, you’ll need to claim manually if you’ve not got the Winter Fuel Payment before, or if you’ve deferred your State Pension since your last Winter Fuel Payment.

While the highest amount of free support is £300, the total will depend on when you were born and your circumstances on the qualifying week, which is between September 15 and 21 of this year.

Pensioners born before September 22, 1959, with an income of £35,000 or below will be eligible for between £100 and £300 to help towards heating bills.

Those hoping to receive the cash must be 66 by the end of the qualifying week.

You won’t be eligible for the payment if you earn more than £35,000 a year, and HMRC will claw back the automatic payment made to you through your tax code or tax return.

Your income can come from a range of factors including, your private pension and state benefits.

Other people who won’t be eligible include those who:

• live outside England and Wales
• were in hospital getting free treatment for the whole of the week of 15 to 21 September 2025 and the year before that
• need permission to enter the UK and your granted leave says that you cannot claim public funds
• were in prison for the whole of the week of 15 to 21 September 2025

The Winter Fuel Payment was axed for 10million pensioners last year, with only those on certain benefits qualifying.

But the government was forced to perform a U-turn after a huge public outcry, with the funding now being reinstated for millions.

The gov.uk website provides further guidance on the scheme and how to make a claim.

Pensioners are also being warned to be wary of text messages from scammers posing as the DWP, who try to get you to click on a fake link to make a claim.

These are not official DWP messages and should be deleted, the government has said.

The Winter Fuel Payment is separate from the Warm Home Discount, which offers struggling households £150 off their electricity bill.

The money is not paid to you, and households that are eligible will have the discount applied to their bill by their energy provider.

What energy bill help is available?

There’s a number of different ways to get help paying your energy bills if you’re struggling to get by.

If you fall into debt, you can always approach your supplier to see if they can put you on a repayment plan before putting you on a prepayment meter.

This involves paying off what you owe in instalments over a set period.

If your supplier offers you a repayment plan you don’t think you can afford, speak to them again to see if you can negotiate a better deal.

Several energy firms have schemes available to customers struggling to cover their bills.

But eligibility criteria vary depending on the supplier and the amount you can get depends on your financial circumstances.

For example, British Gas or Scottish Gas customers struggling to pay their energy bills can get grants worth up to £2,000.

British Gas also offers help via its British Gas Energy Trust and Individuals Family Fund.

You don’t need to be a British Gas customer to apply for the second fund.

EDF, E.ON, Octopus Energy and Scottish Power all offer grants to struggling customers too.

Thousands of vulnerable households are missing out on extra help and protections by not signing up to the Priority Services Register (PSR).

The service helps support vulnerable households, such as those who are elderly or ill.

Some of the perks include being given advance warning of blackouts, free gas safety checks and extra support if you’re struggling.

Get in touch with your energy firm to see if you can apply.

Do you have a money problem that needs sorting? Get in touch by emailing [email protected].

Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories

ED MILIBAND is a “walking, talking cost-of-living crisis”, according to shadow Energy Secretary Claire Coutinho.

The senior MP — who will tomorrow unveil Tory plans for cheaper utilities — vowed to get her Labour arch-rival SACKED as gas and electricity costs rose again this week on his watch.

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Experts have warned that Red Ed, who promised to cut energy bills by up to £300 a year before the 2024 General Election, will only drive prices higher with his Net Zero obsession.

Already, £1billion has been spent this year switching off wind turbines when it got too blowy for the network to cope.

Other sources, such as gas-fired plants, then had to be paid to be used as a replacement. The shutdown has pushed household bills up by £15 a year.

In an interview with the Sun on Sunday, Ms Coutinho fumed: “Ed Miliband is a disaster.

“Every decision (he) has made in government is going to send people’s bills up.

“He promised people £300 off their bills, and so far they’re already £200 up. People are rightly furious.

“I don’t know what he’s on. He is a walking, talking cost-of-living crisis.

“I’m going to make it my mission in this parliament to get him sacked.”

She continues: “I think he can’t add up because if you look at what he’s doing, gas at the moment is about £55 a megawatt-hour.

“He said he’s willing to pay up to £117 for offshore wind this year, and then he talks about cutting people’s bills. You don’t need a calculator to see that is just total madness.”

The top Tory also slated Energy Secretary Mr Miliband for “signing up to 20-year contracts” for offshore wind, adding: “We’re going to be saddled with these incredibly high prices for decades.”

Ms Coutinho is the face of the Conservative Party’s scepticism over a move to Net Zero.

At their annual conference in Manchester tomorrow, she will outline proposals to cut bills by scrapping green levies.

She said: “The most important thing the country needs — and we’re unashamed about this — is lower energy bills.

“Our priority for energy policy going forward will be simple: Make electricity cheaper.

“It will be good for growth, it’s good for cost-of-living — something we know lots of families are still struggling with — and, most importantly, it will be good for the whole of the UK to have much cheaper energy bills.”

Levies funding environmental and social projects add around £140 to annual electricity bills and £50 to gas bills, says innovation agency Nesta.

It comes as the UK energy price cap rose again this week by two per cent, meaning the average household paying for gas and electricity by direct debit will see costs increase from £1,720 to £1,755 per year.

Ms Coutinho’s stance marks a much harder line on eco-policies as the Tories try to stave off Nigel Farage’s party.

Reform UK promised to scrap the Net Zero target and told wind and solar developers they will end green energy subsidies if they win power.

It has prompted Mr Miliband to liken the Tories to a “Reform tribute act”.

But Ms Coutinho said: “That’s absolute rubbish, If you look at Reform, they’ve got the economics of Jeremy Corbyn.”

She claimed there was a huge black hole in Reform’s spending plans, adding: “That simply isn’t going to work for a country where you’ve got interest rates high, inflation is high. We need to be bringing those things down. So we need to live within our means.”

Tories have pledged to scrap the restrictive Climate Change Act 2008 brought in by the last Labour government, and the target of Net Zero emissions by 2050 enshrined by Tory PM Theresa May in 2019.

Ms Coutinho said: “We’ve got new leadership now and both Kemi and I strongly feel that the biggest problem that this country faces is that we’ve got the highest industrial electricity prices in the world and the second highest domestic prices. Now that’s just not going to work for Britain.”

Tories would also abolish quango the Climate Change Committee, which advises the Government on Net Zero.

Ms Coutinho said: “For too long, energy policy has been in the hands of people who are unelected and unaccountable — and that’s just not right.”

And she has left the door open to fracking.

A ban was lifted by Liz Truss during her short tenure in Downing Street – but this was abandoned by her successor Rishi Sunak.

Ms Coutinho added: “We’re a small dense island and it can be very disruptive. So it shouldn’t be done to communities without their say so.”

The shadow cabinet member admitted people are frustrated the Tories have taken their time to come up with policies after their disastrous loss at last year’s General Election.

But she insisted: “At conference, you’ll see a lot more from us. This is the moment where we’ll start telling people all the results of our work, and be able to explain what our plan is.

“The difference between us and Labour and Reform is our plans are real, they’re fully funded, they can be delivered tomorrow.”

She promised the Tories will bring forward plans the public can trust, adding: “People have really lost faith in government to be able to do the things that they want it to do. So we need to rebuild that trust.”

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FAMILIES can now receive a cut of £56million in energy bill support from a ‘Big Six’ supplier.

From today, OVO Energy is handing out free electric blankets as one of its ways to help customers with rising energy bills.

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The supplier runs the extra support service for users all year round, but is now increasing the amount of aid it’s giving out ahead of the winter months.

Since 2022, OVO has given £190million in aid, including heated blankets, smart sockets, and efficiency kits, helping 42,000 customers last year.

The latest £56million package includes free energy-saving products and direct financial support.

And it’s not just electric blankets that you could bag for free.

OVO is also giving away mattress toppers and home efficiency kits to struggling households as part of the scheme.

Customers could also receive a wide range of energy-saving measures installed through ECO4 – from loft insulation to a new boiler, or even high-end tech like heat pumps.

Eligible customers could get a whole package installed, all for free.

Financial support including Direct Debit reductions, emergency credit top-ups, and extended repayment plans are also being offered.

To check your entitlement, visit ovoenergy.com/extra-support.

Ovo is separately campaigning for the introduction of a social tariff to protect vulnerable customers from high energy prices and combat fuel poverty across the UK.

David Buttress, chief executive of OVO, said: “We’re providing support to those who need it most by working together with our charity partners and committing our largest ever customer support package.”

“But this isn’t a long term solution.

“We need to make the energy system work better for everyone.

“That starts with targeted support in the form of a social tariff – no one can be, or no one needs to be left behind.”

What other grants are available?

There are several other ways households can boost their home’s energy efficiency and save money through a variety of grants.

From insulation and boiler upgrades to modifications for disabled residents, financial assistance can cover a substantial portion of your home improvement costs.

Some grants may even cover up to £50,000 worth of home improvements.

Great British insulation scheme – £1,000s

You can get help insulating your home through the Government’s Great British Insulation Scheme (GBIS) if you’re not eligible under the ECO scheme.

GBIS is open to an extra 400,000 households in council tax bands A to E across England, Wales and Scotland who might not be claiming benefits.

To qualify, you must have an energy performance certificate rating of D or lower.

You could be in line for essential upgrades to your home, including roof, loft or cavity wall insulation – which could cut your annual energy bill by £100s.

Check whether you meet the eligibility criteria by visiting gov.uk/apply-great-british-insulation-scheme.

Boiler upgrade scheme – £7,500

Through the boiler upgrade scheme, you could get a grant to cover part of the cost of replacing fossil fuel heating systems with a heat pump or biomass boiler.

You can get one grant per property, towards help with the following:

• £7,500 towards an air source heat pump
• £7,500 towards a ground source heat pump (including water source heat pumps and those on shared ground loops)
• £5,000 towards a biomass boiler

To qualify for this scheme you must own the property you are looking to upgrade.

You must find an MCS-certified installer to claim the grant on your behalf.

MCS is the certification scheme for energy-efficiency product installers.

You can find the nearest ones to you by visiting www.mcscertified.com/find-an-installer, but it is worth shopping for a few quotes.

Home upgrade grant – £1,000s

The home upgrade grant provides funding for various energy efficiency measures for homes that are not connected to the gas grid, often in rural or semi-rural areas.

To be eligible, you must own and live in the property you’re applying for and not use a mains gas boiler as your home’s main heating system.

You’ll also need an performance certificate (EPC) rating of D, E, F or G – if you do not know your home’s EPC you can find it out when you apply.

You’ll usually need to have a household income of £36,000 a year or less.

If you’re eligible, your local council will arrange a home survey to see how your home could be made more energy efficient.

They might suggest improvements like installing wall, loft and underfloor insulation, air source heat pumps, electric radiators

Find out more by visiting gov.uk/apply-home-upgrade-grant.

What energy bill help is available?

There’s a number of different ways to get help paying your energy bills if you’re struggling to get by.

If you fall into debt, you can always approach your supplier to see if they can put you on a repayment plan before putting you on a prepayment meter.

This involves paying off what you owe in instalments over a set period.

If your supplier offers you a repayment plan you don’t think you can afford, speak to them again to see if you can negotiate a better deal.

Several energy firms have schemes available to customers struggling to cover their bills.

But eligibility criteria vary depending on the supplier and the amount you can get depends on your financial circumstances.

For example, British Gas or Scottish Gas customers struggling to pay their energy bills can get grants worth up to £2,000.

British Gas also offers help via its British Gas Energy Trust and Individuals Family Fund.

You don’t need to be a British Gas customer to apply for the second fund.

EDF, E.ON, Octopus Energy and Scottish Power all offer grants to struggling customers too.

Thousands of vulnerable households are missing out on extra help and protections by not signing up to the Priority Services Register (PSR).

The service helps support vulnerable households, such as those who are elderly or ill.

Some of the perks include being given advance warning of blackouts, free gas safety checks and extra support if you’re struggling.

Get in touch with your energy firm to see if you can apply.

TRADESPEOPLE are struggling to expand their businesses because of growing costs, bureaucracy and hiring pressures, a new study suggests.

A survey of 850 tradespeople working across the UK by Checkatrade showed they were eager to contribute to the Government’s plan for growth, but challenges were preventing them from doing so.

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Four out of five of those surveyed said rising costs of materials and tools, plus increased levels of tool theft, were preventing them from growing their business.

A similar number blamed rising taxes, such as the increase in employer National Insurance Contributions.

In April the Government increased the rate of National Insurance contributions from 13.8% to 15%.

It also lowered the threshold at which employers start paying National Insurance from £9,100 to £5,000.

This has piled further pressure onto tradespeople already struggling to make ends meet.

Jambu Palaniappan, chief executive of Checkatrade, said: “The UK is a nation dependent on the trade industry — from carpenters to electricians, decorators to roofers.

“The 900,000 people behind it couldn’t be more important for propelling our economy.”

He said that the research shows how eager tradespeople are to contribute to the Government’s growth agenda.

As part of the plan the Government wants to improve the UK’s rate of economic growth and boost national productivity.

But while there is lots of optimism and significant opportunities for growth, there are still significant challenges tradespeople face.

Palaniappan said: “The Government needs to work with industry to close skills gaps, ensure apprenticeships work for small businesses, and do everything they can to reduce the burdens, the costs, and the taxes that can stifle tradespeople’s growth.”

What support is available?

If you are self-employed and are struggling with the higher cost of living, then there is support available to you.

Universal Credit

One way is to top up your income with Universal Credit.

You can apply if you need to top up your income and have low income and savings.

But you won’t be eligible if you live with a spouse or partner and have combined savings of more than £16,000 or your partner earns too much.

You can check if you are eligible and your claim is likely to be successful by using a benefits calculator.

Turn2us and Entitledto both offer calculators that can help you check whether you qualify.

You will need to attend a gateway interview with a DWP work coach so they can check that being self-employed is your main job.

They will also confirm if you are making a profit or are expected to if you’ve just started out.

This means you’ll need to provide evidence such as receipts, a business plan, copies of invoices, trading accounts or proof you’ve registered as self-employed with HMRC.

If you don’t have enough evidence, then they may decide that you’re not “gainfully” self-employed.

You will need to look and be eligible for other work while you get Universal Credit.

For more information and to apply visit the GOV.UK website.

Employment and Support Allowance

If you’re self-employed, then you can’t claim Statutory Sick Pay.

But if you’ve paid enough National Insurance, then you may be able to claim the new-style Employment and Support Allowance if you’re ill.

If you qualify for the benefit, then you can claim it regardless of your household income or savings.

But if you haven’t paid enough National Insurance, then you may be able to claim the limited capability for work and work-related activity element of Universal Credit.

To be eligible your savings must be less than £16,000.

If you live with a partner, then their income will also be taken into account as part of the claim for Universal Credit.

For information on if you qualify for Employment and Support Allowance and what to do if you don’t visit GOV.UK.

Cut your tax bill

You could be missing out on key tax allowances that could save you hundreds of pounds a year.

If you work from home, then you may be able to claim for costs associated with work, such as business phone calls, gas and electricity.

If you work from home between 51 and 100 hours a month, then you could get £18.

Meanwhile, if you work for more than 101 hours a month from home, then you could get £26 a month – or £312 a year.

If the amount of time you work from home varies month-to-month, then you can claim the relevant amount for that month.

To apply visit the GOV.UK website.

You may also be able to claim tax relief on your mileage if you drive a car or van for work.

You can claim 45p tax relief on every mile you do for the first 10,000 miles a year of business journeys.

If you travelled this distance in a year, you would get £4,500 in tax relief a year.

If you drive more than 10,000 miles, then you can claim 25p tax relief per mile.

You can also get an additional 5p per mile in relief if you carry a passenger.

You can log the number of miles you do and add reminders to report your mileage using apps including driversnote and Fuelio.

To use these apps just download them from the app store and create an account.

Read our helpful guide for more advice on how to cut your tax bill if you’re self-employed.

Do you have a money problem that needs sorting? Get in touch by emailing [email protected].

Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories

Jodie Marlow, who moved to Murcia in Spain four years ago along with her partner and their two children, has shared how much she pays for her household bills every month

As autumn arrives and the weather becomes colder, more Brits will start fretting about the colder weather and how it will affect their energy bills.

It’s typical for energy bills to rise as we consume more gas and electricity to heat our homes. This has led some people to consider relocating to escape the high costs. Currently, there are already 403,925 UK nationals registered as residents in Spain, according to Statista. While many of them relocated there to chase the sun, others may have moved to enjoy lower living costs. This was the case for one mum, Jodie Marlow, who relocated to Murcia in Spain four years ago with her partner and their two children.

While the sunshine and new lifestyle have been a lovely for them all, Jodie also revealed that they no longer stress over their energy bills. In a revealing TikTok video, Jodie shared how much she pays for her household bills each month, as she said it’s cheaper than the UK.

Firstly, the family doesn’t have to worry about rent or mortgage payments as they own their property outright. Even better, houses on their street have doubled in value since they bought their home a few years ago.

Moving on to electricity, Jodie said switching to a cheaper provider has been transformative. The previous month, they’d paid just €37 (£32).

But since they’d recently begun running their air conditioning through the night, the bill had climbed to €55 (£48), which she insisted was ‘nothing’ given her two lads had kept their air con running every single night whilst they slept.

Regarding water, the household spends roughly €99 (£86.41) in three month instalments. This works out at €33 (£28.80) per month.

“Our house actually runs off of a gas bottle,” Jodie explained. “I thought it was really weird at first, but actually it’s pretty normal in Spain. And a gas bottle costs around €16 (£13.97).”

These bottles last ages, particularly during warmer weather as they’re not having as many hot showers. Then, rather than using the gas hob, Jodie said she often cooks on the barbecue that has a hob. She also uses an air fryer, which saves her gas too.

Jodie added: “So that gas bottle honestly could last us three months.”

For the equivalent of council tax, Jodie puts aside €250 (218.24) per year, which is around €21 (£18.33) a month. She continued: “So again, not a lot. I know some people who pay that literally a month what I pay a year.”

Wi-Fi costs €24.99 (£21.81) per month, whilst sim cards are €12.99 (£11.34). Then for home insurance, they are covered for €250 (£218.24) per year. This works out as approximately €22 (£19.21) per month.

People were stunned to discover how much cheaper things were in Spain and took to the comments section to share their thoughts.

One viewer was gobsmacked by the electricity bill, commenting: “60 Euros a month! We spent £40 per week for a 4 bed house in England.”

However, other Brits living in Spain chimed in to reveal their bills were even steeper than what Jodie had shared.

Another viewer shared : “I live in Malaga, my electric is around €180 a month, water for the last three months was €1260 and we use gas bottles €200 for three, so not cheaper than the UK.”

In response, Jodie said: “I guess depends where in the uk the same as where in Spain as Malaga is more than where I live. It’s all relative.”

HOUSEHOLDS need to take and submit meter readings ahead of bills rising for millions this autumn.

Regulator Ofgem confirmed last month that prices will increase by 2% to £1,755 a year from October 1.

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Prices will rise by £35.14 per year for households, having reduced at the beginning of July when the price cap went down. 

This will affect 22million households who are on the standard variable tariffs.

Those who don’t take their electricity and gas bill readings as close to October 1 as possible, and are on a standard variable tariff as opposed to a fixed deal, could be faced with higher bills.

Some providers will even give you an extra fortnight to submit your reading, but double-check what applies at yours.

The October rise is 1% higher than industry experts anticipated. 

Those on fixed tariffs will not see their bills change from October. 

The energy price cap was first introduced in January 2019 and sets a maximum unit price that energy suppliers can charge households. 

Despite the price cap increasing in October, experts estimate that it will be reduced at the next three-month change in January. 

This will depend on geopolitical movements, weather patterns, and any changes in government policy. 

Experts also warned that any reduction in prices would be minimal for the foreseeable future. 

How to take a reading

The easiest way to take a reading is by taking a photo of your gas and electricity meters.

This means you have evidence in case you need to dispute.

You can send in your meter reading online via your energy account.

Some providers will also let you send in the numbers by text or through their app.

If you have a electricity meter then you will see a row of six numbers.

Five of them will be black and one in red.

Write down the five numbers in black, which are shown from left to right.

If you have a traditional dial meter then you need to read the first five dials from left to right.

If the pointer is between the two numbers then write down the lowest figure.

If it is between nine and zero then write down the number nine.

For gas meters you need to write down the first five numbers that are shown before the decimal point.

Digital imperial meters are four black numbers and two red numbers.

And for smart meters then you do not need to send your supplier a meter reading, it will be sent automatically.

Help available

If you struggle with your energy bills there are several ways that you can get help. 

The Winter Fuel Payment offers £300 to pensioners to help cover the cost of heating during the winter months. 

Struggling families can also get access to money for their energy bills through the Household Support Fund (HSF). 

Each council was allocated a slice of the £742million fund earmarked for extra support.

Additionally, millions will receive the Warm Home Discount, which is worth £150. 

This discount is means-tested and given to households on a low income or claiming benefits such as Universal Credit. 

British Gas also announced a £140million support package to help customers facing financial hardship. 

What energy bill help is available?

There’s a number of different ways to get help paying your energy bills if you’re struggling to get by.

If you fall into debt, you can always approach your supplier to see if they can put you on a repayment plan before putting you on a prepayment meter.

This involves paying off what you owe in instalments over a set period.

If your supplier offers you a repayment plan you don’t think you can afford, speak to them again to see if you can negotiate a better deal.

Several energy firms have schemes available to customers struggling to cover their bills.

But eligibility criteria vary depending on the supplier and the amount you can get depends on your financial circumstances.

For example, British Gas or Scottish Gas customers struggling to pay their energy bills can get grants worth up to £2,000.

British Gas also offers help via its British Gas Energy Trust and Individuals Family Fund.

You don’t need to be a British Gas customer to apply for the second fund.

EDF, E.ON, Octopus Energy and Scottish Power all offer grants to struggling customers too.

Thousands of vulnerable households are missing out on extra help and protections by not signing up to the Priority Services Register (PSR).

The service helps support vulnerable households, such as those who are elderly or ill.

Some of the perks include being given advance warning of blackouts, free gas safety checks and extra support if you’re struggling.

Get in touch with your energy firm to see if you can apply.

If you live in a house that’s prone to damp, the problem can get worse over the colder months, especially if it’s not tackled. 

A dehumidifier can help, but you don’t have to splurge to buy one – Amazon has slashed the set of 12 Nyxi dehumidifiers from £13.49 to £11.46, working out at 89p each.

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Nyxi Dehumidifier Set of 12,
£11.46 (was £13.49)

Condensation on windows might be a common occurrence in the autumn and winter, but it can lead to problems.

Dehumidifiers are a solution that many households turn to for the latter part of the year.

They work by taking moisture from the air, which soaks into the beads and collects as water at the bottom.

Each one can hold up to 500ml, lasting 3-5 weeks depending how much moisture there is, but with 12 replacements, it could end up as an entire year’s supply.

Thanks to the small size, each one can fit in any area, which can prove difficult with a large dehumidifier.

This means you could place them on windowsills to collect condensation, or in wardrobes to ensure clothes don’t get damp or mouldy.

Utility rooms and bathrooms naturally get super damp, so these are also good places to use the dehumidifiers to reduce humidity.

If left alone, damp can progress and cause damage to walls and also lead to mould, which creates an unhealthy living environment.

The affordable Amazon buy has gained thousands of reviews, with shoppers praising how affordable and effective the dehumidifiers are.

One shopper said: ‘’I bought these dehumidifiers as I live in a ground-floor flat, and during the wet weather I cannot hang out my laundry, so I have to hand it on a clothes horse next to the radiators.

‘’As we all know this will cause dampness, so these dehumidifiers are ideal – they suck up all the moisture in the air and store it in the lower section.

‘’After about 3 months I can throw them away, and replace them with new ones, helping me keep my flat free from mould and dampness.’’

Another shopper commented: ‘’I find these to be quite useful for small rooms.

‘’I live in Devon and near the sea which means I have double the amount of humidity than other places.

‘’High electric bill prevented me from using a dehumidifier so this is the next best thing.

‘’They usually last about 6-8 weeks in my house.’’

A third shopper added: ”This product is brilliant for keeping condensation away from windows in the cold months.”

Nyxi Dehumidifier Set of 12,
£11.46 (was £13.49)

If you’re still making up your mind on which dehumidifier to buy – check out our list of the best dehumidifiers to see what we thought of some of the top brands.

We’ve put the best air purifiers to the test too, trying 11 devices that clean, filter and remove odours from your home.

MILLIONS of struggling households on Universal Credit could be missing out on discounted broadband worth up to £200.

Social tariffs are offered to those on Universal Credit and other government benefits such as Pension Credit.

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And it can help you save hundreds of pounds a year compared to the standard deals.

Not only that, but they often come with no exit fees, although you should always check the terms and conditions carefully.

It comes after fresh analysis by Policy in Practice shows that there was over 7.5million missed claims for the tariffs.

And the average household is missing out on £200 a year.

It means you can get access to broadband at a discounted price, which can help if you are struggling with other costs.

For example, 4th Utility social tariffs offers a broadband for £13.99 a month.

Meanwhile, BT offers a Home Essentials package for those on Universal Credit and the guaranteed element of Pension Credit.

And those Employment and Support Allowance, Jobseeker’s Allowance and Income Support can also apply.

You’ll need to provide some personal information when you apply, including your National Insurance Number, so we can check that you’re eligible.

Community Fibre also offers an essentials package that costs just £12.50 a month.

Meanwhile, EE also offers a £12 monthly sim deal, for those on claiming Universal Credit.

The group will ill carry out an eligibility check every 12 months to see if you still meet the criteria to get the discounted deal.

How to get the best deal

Like with any offer, it is worth shopping around to ensure you are getting the best deal.

The regulator Ofcom has a list on its website of all the firms offering social broadband and mobile phone tariffs.

The list can be found here – www.ofcom.org.uk/phones-and-broadband/saving-money/social-tariffs.

It’s worth scanning the list to find the package that best suits your needs.

You can also compare deals via comparison sites like Uswitch.

What other support can I get

If you claim Universal Credit you could be missing out on extra support, such as discounts to your council tax bill.

The support is given out by local councils in England, so how much is cut will depend on where you live, your income, dependants and other benefits.

You can find out if you’re eligible by visiting gov.uk/apply-council-tax-reduction.

Households can also get access to free school meals, and school uniform grants which can be worth up to £300.

During the winter, claiming benefits such as Universal Credit can also make you eligible for the warm home discount scheme.

This is a £150 discount on your electricity bill to help tackle rising costs during the winter.

MILLIONS of households are facing a £100 rise in their energy bills next year due to the Government’s net zero policies, according to new analysis.

Energy analysts Cornwall Insight said changes being made to push the country towards net zero will fuel a rise in energy bills for the average household.

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It predicted the changes will add more than £100 to the energy price cap in April 2026 compared with January.

The energy price cap is the maximum amount energy suppliers can charge you for each unit of energy and standing charge, and it’s updated every three months.

Cornwall Insight said bills will increase for households because of the cost of connecting new wind and solar farms, the construction of the Sizewell C nuclear power station, and upgrades to the gas networks.

It also suggested further rises will follow later because of the construction of pylon lines, underground cables and substations.

It means households are likely to be paying more for their energy at a time when inflation remains high and many are struggling with the cost of living.

The UK has legally committed to achieving net zero greenhouse gas emissions by 2050.

This means the total amount of emissions produced is equal to or less than the amount removed from the atmosphere. 

But the Government is having to balance this with extra costs to households up and down the country.

Ahead of the election, Energy Secretary Ed Miliband had pledged to cut household energy bills by £300 by 2030.

He repeated that promise again last month.

Cornwall Insight’s Dr Craig Lowrey said investing in renewables would eventually reduce bills and it was necessary in the long run.

But he said: “Rising energy bills are never welcome, and this latest view of transmission charges – although only indicative – will add yet another cost to the long list of pressures on household finances.”

The average energy bill for a dual-fuel home is currently £1,720 per year.

However the energy price cap is set to rise at the beginning of October, bringing it to £1,755.

Yet another rise is expected in January because of seasonal increases in wholesale costs.

The £100 bill increase predicted by Cornwall Insight is unrelated to the wholesale cost of gas.

The experts say it’s due to the cost of maintaining and expanding the UK’s power grid.

It said electricity network costs alone would add £30 a year, and this will rise to £50 a year by 2028.

Meanwhile green levies will add another £18, including £12 of advance payments for building Sizewell C.

Upgrading the gas network, which is partly needed to accommodate the introduction of green hydrogen, will add another £53.

Cornwall Insight said the bill increases were “not totally unexpected but highlight potential further financial pressures than households will face”.

It’s expected households will end up paying higher standing charges.

A standing charge is a fixed daily fee added to your energy bill, charged by your supplier regardless of how much energy you use.

Increasing standing charges is controversial as households aren’t able to avoid paying them.

While you could bring down your energy bills by cutting down on how much energy you use, there isn’t a way of reducing the cost of a standing charge.

This can leave struggling households forced to pay extra.

Ofgem has said households will later feel the benefit of an expanded electricity network through their bills, but this will take time.

Dr Lowrey said: “These costs are not just another item to tag onto the bill, they are essential to the long-term security and affordability of Great Britain’s energy system.

“For years, households have been at the mercy of global energy markets, with prices soaring and crashing in response to events happening thousands of miles away. It’s unpredictable, and it’s ultimately unsustainable.

“Investing in Britain’s transmission network means building a cleaner, more resilient energy system – one powered by renewables grown right here at home. Yes, it will take time. Yes, it will cost money. But every pound we invest today is a step toward a future where our energy is not only greener, but also more secure and, in time, more affordable.

“People rightly expect renewables to bring bills down, and they will. But first, we need to lay the foundations. There are a lot of costs involved in the transition, but the costs of doing nothing will be far greater.”

Help with energy bills

If you are struggling with your energy bill then there is plenty of support on offer.

For example, the Winter Fuel Allowance offers £300 to pensioners to help cover the cost of their heating during colder months.

Around 75% of pensioners are expected to receive the support this year, after Labour U-turned on the tighter eligibility criteria it announced last winter.

Struggling families can also get access to money through the Household Support Fund (HSF).

Each council in England has been allocated a share of the £742million fund and can distribute it to residents in need.

Exactly how much you can get and how the money will be paid depends on your council and situation.

Plus, thousands of households will receive the Warm Home Discount, which is worth £150.

The discount is given to households on a low-income or claiming certain benefits, such as Universal Credit.

It is not paid as cash and is instead applied as credit to your energy bill.

If you are falling behind on your energy bill then you can also get help through your energy supplier.

British Gas has announced a £140million support package to help customers facing financial hardship.

This includes free energy grants, tailored support for households and small business customers and funding for advice centres and charities.

It has also launched You Pay: We Pay, which gives households the opportunity to have their payments matched by British Gas for a period of six months.

Octopus Energy’s £30million Octo Assist fund is designed to help customers keep on top of their energy bills.

It includes free electric blankets, Winter Fuel Payments and standing charge waivers.

EDF’s Customer Support Fund gives grants and help to vulnerable customers who are struggling with energy debt.

It can support customers with electricity or gas bill debts, and provide essential white goods such as a fridge or cooker.

Lost decades

WE are now in a new cost of living crisis — or perhaps we never really escaped the first one.

A dismal report yesterday revealed family incomes are £20,000 less than they should have been had economic growth in the UK not flatlined after 2005.

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It means Brit households have effectively lived through two lost economic decades.

Covid, the credit crunch, war in Europe and energy price shocks were hammer blows.

But inflation is now firmly entrenched in the economy thanks to Rachel Reeves’s policies, which have directly driven up prices.

Her National Insurance rise has left hard-pushed customers facing bigger bills at the tills, as shops were forced to pass on huge extra costs.

Unnecessary Net Zero measures only add to the misery.

The irony is that yesterday’s report on living standards was by the Left-leaning Resolution Foundation.

Many of its former members are now sitting in Downing Street as key advisers to the Prime Minister and Treasury.

Yet most of their ideas to fix the economy are based on seizing ordinary people’s hard-earned savings, property taxes and taxing the rich so highly they flee the country.

Big business is already warning of the folly of this outdated 1970s-style approach.

Don’t do it, Chancellor.

Action, not talk

NEW Home Secretary Shabana Mahmood says she will not allow migrants to avoid deportation through bogus last minute claims that they are the victims of modern slavery.

She insists these “vexatious” appeals make a mockery of our laws.

Of course, she is right that migrants are gaming a broken asylum system.

But for all her tough talk, how exactly does she plan to do it?

Successive Home Secretaries have promised to do “whatever it takes” to secure our borders.

All have foundered on the immovable rock that is European human rights laws.

Those same laws which are defended to the hilt by her cabinet colleague, Attorney General Lord Hermer.

We wish Ms Mahmood well. But it’s actions that count.

Hope & glory

FOR all the talk of trade deals and tariffs worth billions there is one British institution that remains priceless.

Our Royal Family — such a vital asset to this country — once again totally charmed the world’s most powerful man, Donald Trump.

Amid the doom and gloom it’s good to remember that no-one does pomp and pageantry quite like us Brits.

Amazon has slashed the price of a dehumidifier we tested, which also has hundreds of five-star reviews.

The Devola 12L/day Low Energy Dehumidifier has been slashed from £139.99 to £124.99, saving £15 off.

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Devola 12L/day Low Energy Dehumidifier
£124.99 (was £139.99)

As temperatures drop, the contrast in indoor and outdoor temperatures often causes unwanted condensation.

Most often appearing as dripping water on windows, damp weather can also cause damage to walls, especially if it’s left to build up.

Dehumidifiers have been designed to tackle the problem, but are also a preventative measure for stopping damp in its tracks.

The Devola 12L/day Low Energy Dehumidifier is a mid-range option, which featured in our best dehumidifiers round-up.

We gave the gadget a high rating of 4.5/5, especially for how quickly it worked: ‘’it reduced the humidity from well over 70% (classed as “too high”) to under 60% (classed as “okay”) in under half an hour.’’

The 12-litre capacity is ideal for small to medium-sized rooms, but there are 20L and 25L options for larger or open plan spaces.

Like all dehumidifiers, the Amazon model pulls in humid air, cools it, and it’s then collected as water, which can be emptied.

One of the most handy uses for a dehumidifier in the colder months is to dry laundry.

As it can reduce moisture, placing it beside a drying rack is great for speeding up the time it takes to dry – and the laundry mode is an easy way to do it.

According to Amazon, it costs around 5p per hour to run, which would likely make it cheaper to run than a tumble dryer – which is a very costly appliance to run.

Amazon shoppers are praising the dehumidifier, and with over 800 people already having bought it, now’s a good time to invest ahead of winter.

One shopper said: ‘’Amazing!

‘’I have a basement flat and you can tell the difference it has made in just a week.

‘’No more damp smell. 

‘’Very good at drying clothes too.’’

Another shopper commented: ‘’This has transformed the way I dry my washing, wish I had bought one years ago.

‘’Speeds up dry time and stops the house being full of condensation.

‘’Not too big, sits in the corner of the room, not noisy, cheap to run.’’

Devola 12L/day Low Energy Dehumidifier
£124.99 (was £139.99)

If you’re still making up your mind on which dehumidifier to buy – check out our list of the best dehumidifiers to see what we thought of some of the top brands.

We’ve put the best air purifiers to the test too, trying 11 devices that clean, filter and remove odours from your home.

SHOPPERS are running to Dunelm for a gadget that heats up a room without the need for central heating.

Bargain hunters keen to keep bills in check this winter are snapping up the plug-in PTC heater, £18, from the retailer.

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This gadget delivers through an efficient ceramic heating element.

The LED display and digital thermostat provide precise control over the temperature, and you can set the timer and choose from two fan speed settings.

Best of all it only costs 13p hour to run if you are on an average electricity tariff, though the exact amount depends on your individual rate.

The reviews for the gadget are glowing.

One user said: “Good product, gives some decent heat out. Actually bought two of them. Well worth it.”

Another added: “Fabulous little heater, really pleased with this. Heats up my kitchen in no time.”

One user described the tool as “small and mighty”. The added: “Does the job for a small kitchen without any other heating source.”

It comes after it was confirmed the energy price cap would rise by 2% in October costing the average household more to heat their home.

There are plenty of other ways to help keep bills down and stay warm using gadgets that don’t cost too much to run.

For example, an electric throw can cost just 4p an hour – calculated using the average electricity unit rate in the UK for the period of 1 October to 31 December 2025 is 26.35 pence per kilowatt-hour.

Washing the blankets are usually easy too, as it is both machine washable and tumble dryer safe. 

You can buy these blankets for around £30 and they’re perfect for when you’re on the sofa watching TV and don’t need to warm up the entire home.

Or Amazon is selling a product for just 99p to help families hold off from putting the heating on.

The teeppo draft excluder for doors and windows is a practical addition ahead of the colder months.

The self-adhesive rubber foam offers a budget solution for keeping your home warm this winter.

It also helps to reduce dust, pests, noise, and heat in the summer.

What energy bill help is available?

There’s a number of different ways to get help paying your energy bills if you’re struggling to get by.

If you fall into debt, you can always approach your supplier to see if they can put you on a repayment plan before putting you on a prepayment meter.

This involves paying off what you owe in instalments over a set period.

If your supplier offers you a repayment plan you don’t think you can afford, speak to them again to see if you can negotiate a better deal.

Several energy firms have schemes available to customers struggling to cover their bills.

But eligibility criteria vary depending on the supplier and the amount you can get depends on your financial circumstances.

For example, British Gas or Scottish Gas customers struggling to pay their energy bills can get grants worth up to £2,000.

British Gas also offers help via its British Gas Energy Trust and Individuals Family Fund.

You don’t need to be a British Gas customer to apply for the second fund.

EDF, E.ON, Octopus Energy and Scottish Power all offer grants to struggling customers too.

Thousands of vulnerable households are missing out on extra help and protections by not signing up to the Priority Services Register (PSR).

The service helps support vulnerable households, such as those who are elderly or ill.

Some of the perks include being given advance warning of blackouts, free gas safety checks and extra support if you’re struggling.

Get in touch with your energy firm to see if you can apply.

SHOPPERS are rushing to buy a nifty gadget that costs just 1p to run – and they say it will stop them having to turn the heating on this winter.

The handy product will help keep you warm at home as the colder months approach, and it doesn’t cost a fortune.

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Amazon is selling the neck and shoulder heatpad for £39.99.

It normally retails at £59.99 – representing a saving of 30%.

The Dreamland heatpad is designed to be worn around the neck and can keep your shoulders feeling toasty in winter.

It has also been praised by buyers for easing symptoms associated with arthritis and injuries.

Others have described it as “excellent”.

One satisfied customer hailed it as “lovely” as it stays warm for hours and doesn’t cost anything extra to reheat.

Easy to use

The product’s manufacturer said it delivers “precise temperature control for a full three-hour treatment”.

It added: “It is so easy to use, and has a choice of five continuous use temperate setting, with a three-hour auto shut off timer.

“It costs from as little as 1p to run per treatment for three hours.” 

The cover is machine washable and can be easily stored away when the weather warms back up.

It’s even landed dozens of five-star reviews online.

One buyer said: “Bought for my arthritic mother. She loves it and it helps her a lot.”

Another described it as a “lovely item”.

A third person wrote: “Excellent for a stiff neck, or trapped nerve.”

More money-saving gadgets

Savvy shoppers are always quick to share tips and tricks to keep warm for cheap this winter.

Some recently shared Lidl was selling £18 gadgets that save them turning the heating on.

One woman also recently shared her new hack – which is said to be like “hugging a sheep”.

Dunelm shoppers have also recently been rushing to buy a “life-saver” winter gadget.

The discounter is selling the device that costs just 1p an hour to run.

Aldi also recently shared one of its winter gadgets that costs just 6p to run.

Don’t forget about your hands …

Here are some handy tips to ease the effects of cold weather on your hands …

A pair of mitts can really help your hands through the winter months.

Wear gloves outside so that the cold air doesn’t zap the moisture out of your skin.

For washing up, protect your hands with rubber gloves. Apply hand cream before putting on the gloves and the warm water will help the cream soothe your hands.

Dry, brittle and split nails are a real pain in winter, when our hands are craving moisture. The answer may lie in your food cupboard.

Rubbing olive oil into your nails and cuticles each day can strengthen and soothe them, reducing the risk of splits.

Nursem is a handcare brand started by former children’s intensive care nurse Antonia Philp, whose hands were left cracked and sore from constant handwashing.

Or, to soothe winter hands, try this. Blitz 100g oats in a food mixer until it becomes a powder.

Add to a bowl of warm water with 50ml of olive oil. Soak hands for 10 minutes before drying and apply hand cream.

THE EXACT amount of money each pensioner will get as their Winter Fuel Payment this year has been confirmed by the Department for Work and Pensions.

More than nine million people are set to receive the payment later this year.

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The Department for Work and Pensions (DWP) confirmed eligible people born before September 22, 1959 will automatically receive the funds.

It comes after the previous £300 payment was axed for millions of pensioners last winter and only those on certain benefits qualified.

The move triggered a massive backlash for Labour as some 10 million pensioners lost their winter fuel allowance in the benefit cut.

It saved the Treasury just £1.4 billion but caused a massive public outcry – and the government was forced to perform a half baked U-turn.

The PM cracked under pressure after a voter backlash.

It’s now been revealed that this year’s payment will be between £100 and £300, to help cover the cost of higher heating bills this winter.

The money will become available to most eligible pensioners in November or December.

The amount is determined by both age and household circumstances of a claimant over the qualifying period, which is the week of September 15 to 21.

Where you were born is also a contributing factor.

Letters can be expected for those who qualify for it in England and Wales in October or November.

The letter will provide details on how much money you will be offered, as well as which bank account the payment will go into – which is usually the same as where you receive State Pensions or other benefits.

DWP guidance states: “You’ll get a letter in October or November telling you how much Winter Fuel Payment you’ll get, if you’re eligible.

“If you do not get a letter but think you’re eligible, check if you need to make a claim.”

People in Scotland will not get Winter Fuel Payment as the Pension Age Winter Heating Payment has replaced it.

This scheme follows similar eligibility criteria as outlined by the DWP, but will be issued automatically by Social Security Scotland from the end of November.

The GOV.UK website provides further guidance on the scheme and how to be a claim.

It also warns people to be wary about scammers who may send out trick messages that provide a link to click on and make a claim.

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These are not official DWP messages and should be deleted.

So those eligible for the Winter Fuel Payment are people living in England and Wales born before September 22, 1959.

You will not be eligible if:

• you live outside England and Wales
• you were in hospital getting free treatment for the whole of the week of September 15-21, 2025 and the year before
• you need permission to enter the UK and granted leave says you cannot claim public funds
• you were in prison for the whole of the week of September 15-21

It is possible for people living in a care home to get the Winter Fuel Payment.

However, there are two factors that if combined mean you will not be eligible.

This is if you are on Universal Credit, Pension Credit, Income Support, income-based Jobseeker’s Alloance (JSA) or income-related Employment and Support Allowance (ESA), whilst having lived in a care home during since June 23, 2025 or earlier.

If you live alone, or none of the people you live with are eligible for Winter Fuel Payment:

• you will get £200, if you were born between September 22, 1945 and September 21, 1959
• you will get £300, if you were born before September 22, 1945

If you live with someone else who is eligible for the Winter Fuel Payment:

• £100 if you and the person you live with were both born between September 22, 1945 and September 21, 1959
• £100 if you were born between September 22, 1945 and September 21, 1959 but the person you live with was born before September 22, 1945
• £200 if you were born before September 22, 1945 but the person you live with was born between September 22, 1945 and September 21, 1959
• £150 if you and the person you live with were born before September 22, 1945

Your payment will also be different if you are receiving other benefits payments.

• £200 if you were born between September 22, 1945 and September 21, 1959
• £300 if you were born before September 22, 1945

If you and a partner jointly claim any benefits, one of you will get a Winter Fuel Payment of:

• £200 if both of you were born between September 22, 1945 and September 21, 1959
• £300 if one or both of you were born before September 22, 1945

The money will be paid into the bank account where benefits are usually paid into.

Care home residents that are eligible will get:

• £100 if you were born between September 22, 1945 and September 21, 1959
• £150 if you were born before September 22, 1945

Those with an income of more than £35,000 will have all of their Winter Fuel Payments returned by the HMRC, either through PAYE or submitting a Self Assessment tax return.

The DWP has said: “If you do not get a letter or the money has not been paid into your account by 28 January 2026, contact the Winter Fuel Payment Centre.”

It is also possible to opt out of the Winter Fuel Payment, either by completing an opt out form by September 14, or calling the helpline before 6pm on September 12.

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HOUSEHOLDS across the country are being warned to brace for a financial squeeze as the cost of government borrowing skyrockets to levels not seen since 1998.

This now directly threatens to push up mortgage rates and could usher in a new wave of tax hikes.

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The pound has tumbled in response to the growing unease, highlighting investor concern over the UK’s economic stability. 

At the heart of the issue are government bonds, known as “gilts,” which the government issues to borrow money.

These bonds offer investors a return, referred to as the “yield.”

In recent weeks, gilt yields have been rising rapidly, making it more expensive for the government to borrow.

This morning, yields soared further, with 30-year gilts reaching 5.72% – the highest level in nearly 30 years – while 10-year gilts climbed to 4.85%.

This spike signals that investors are nervous.

They are demanding a higher return to lend to the UK, worried about stubborn inflation and a gaping £51billion hole in the nation’s finances.

The rise in government borrowing costs is putting serious pressure on household budgets in two key ways

Firstly, it’s driving up mortgage rates.

The link between government gilt yields and mortgage rates is direct and unavoidable.

Lenders use “swap rates,” which closely track gilt yields, to set the prices of fixed-rate mortgage deals.

As these rates climb, fixed mortgages become more expensive.

Since August 1, two-year swaps have risen from 3.56% to 3.74%, while five-year swaps have gone from 3.63% to 3.83%.

Major lenders like Barclays have already started increasing rates, and even a small rise can add significantly to monthly payments on a typical £200,000 mortgage.

With swap rates continuing to rise in recent weeks, experts warn that mortgage rates are likely to increase further.

Separately, Chancellor Rachel Reeves faces a difficult challenge in her Autumn Budget, scheduled for November.

Higher borrowing costs are eating into public funds, and many economists believe tax increases will be necessary to fill the financial gap.

Although the government has promised not to raise income tax, national insurance, or VAT for “working people,” other tax measures are reportedly being considered.

One proposal is applying National Insurance to rental income, which critics fear could result in landlords passing on the cost to tenants through higher rents.

Another idea being debated is replacing stamp duty with an annual property tax, which could affect homeowners.

There are also rumours of reducing pension tax relief or cutting the tax-free lump sum, moves that could generate billions but might hurt savers.

Plus, there’s speculation about lowering the VAT threshold, which would bring more small businesses into the tax system.

This could increase their costs and potentially lead to higher prices for consumers.

Reeves is expected to make economic growth the centrepiece of her next Budget, warning that Britain’s economy is “stuck” and in need of bold solutions.

What can you do about it?

None of the proposed changes have been confirmed yet, and the government hasn’t ruled them out either.

However, any new measures won’t take effect until after the Budget in November.

It’s important not to make rash decisions based on speculation.

If changes are announced, you’ll have time to act and protect your finances before they come into effect.

For instance, if stamp duty is replaced by an annual property tax from a certain date, you could move house before the deadline to avoid the extra cost.

Similarly, if the government introduces capital gains tax on high-value properties, you might consider downsizing to a smaller home before the change is implemented.

 Rob Morgan, chief analyst at Charles Stanley, said: “Taking pre-emptive action can outright backfire.

“Last year some people were concerned about restrictions around taking tax free cash from pension and took withdrawals they wouldn’t have otherwise made.

“This removed the money from a tax-efficient environment and potentially stored up tax issues that will come back to haunt them.

“Instead, it’s best to wait to see what happens, consider the consequences, and take advice as required before acting.”

Most of the proposed measures are likely to affect only the very wealthy, so you may not be impacted at all.

If you’re concerned, there are steps you can take to prepare and safeguard your finances.

Check your financial health

If you are worried about your finances then you should speak to a financial adviser.

They will be able to offer you advice about your situation and explain if any of the measures will affect you.

You can find one using unbiased.co.uk – but remember, you will pay a fee.

It’s good practice to sit down and take stock of your finances every six months and work out a plan.

Work out all your bills and outgoings and what income you have and factor in any changes, such as bills going up or new income streams.

Think about what you need to do to make the most of your money. For example, do you need to prioritise paying off debts or saving for a house deposit.

Our guide to paying less tax legally could help you avoid giving away more cash to the tax man than necessary.

Review your mortgage deal

If your mortgage deal is coming to an end soon, act now.

Locking in a fixed rate could shield you from rising rates and market uncertainty.

Aaron Strutt, of mortgage broker Trinity Financial, said “For the moment there have not been significant price hikes but it’s probably worth locking in a mortgage rate if you are buying somewhere or due to remortgage, to try and keep away from any market turbulence.”

If you are coming to the end of a fixed deal, most lenders let you lock in a new rate up to six months beforehand, which can be worth doing.

If rates fall after you agree a new deal, some lenders will let you sign a new one at a lower rate.

Think when investing

Gold prices surged to a record high of $3,546.99 per ounce (£2,643.82) on Wednesday, marking its seventh consecutive daily rise.

Investors are flocking to the precious metal as a safe haven amid inflation fears and fiscal uncertainty.

However, financial advisers suggest maintaining a balanced and diverse investment portfolio as a better strategy for managing market volatility.

A small allocation to gold (5-10%) can be useful, but it shouldn’t be the core of your investment plan, according to Charles Stanley.

Don’t forget a will

If you’re concerned about potential changes to inheritance tax, it’s essential to have a will in place.

Without a will, your estate will be subject to intestacy rules, which could result in a higher inheritance tax bill.

This is especially important for unmarried couples, as they won’t automatically inherit from each other, even if they’ve lived together for years.

Check how to make one in our guide.

Make your savings work harder

More than 31million bank customers have £186billion in savings accounts earning just 1.5% interest, according to banking app Spring.

These accounts generate £2.3billion a year in interest, but savers could earn over three times more by switching to accounts offering up to 5% interest, The Sun can reveal.

The average bank customer has around £10,000 in savings, according to Raisin.

If that £10,000 is kept in an easy access account earning 1.5% interest, it would generate just £150 in interest each year.

But switching to Cahoot’s 5% easy access account would boost that to £500, earning you an extra £350.

If your savings account pays less than the current inflation rate of 3.8%, it’s time to look for a better deal.

IF you’re wondering where your money’s going each month, it might not be big bills or bad luck to blame but small, repeated mistakes that add up fast.

From letting your savings sit in low-interest accounts, to underestimating the real cost of long mortgage terms, financial experts warn that common habits could be quietly emptying your bank accounts.

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We asked money experts and behavioural scientists to reveal the biggest habits that are holding people back.

1. Not knowing what’s coming in and going out

It’s hard to feel in control of your money when you don’t know where it’s actually going.

Many people assume they have a rough idea, but the reality is that forgotten subscriptions, auto-renewing services and small daily purchases quickly add up.

Without visibility, your budget can slowly unravel, and by the time you realise, you’ve slipped into the red.

Vix Leyton, consumer expert at Thinkmoney, says the fix starts with routine: “Take time to know what your outgoings are and what is coming in.

“Some apps, like Thinkmoney, offer a snapshot of what you’re spending, and can even ringfence bill money for you so you don’t accidentally end up facing penalties and late fees.”

Even a five-minute weekly check-in can help avoid nasty surprises and highlight where cutbacks are needed.

2. Living without a savings buffer

It’s hard to save money – but not having a buffer can leave you exposed to high credit when you need cash quickly.

Whether it’s a broken boiler, a car that won’t start or a sudden cut in hours at work, not having a cushion means falling back on credit cards or payday loans just to stay afloat.

The result is a constant feeling of stress, and a budget that can be thrown off by the smallest shock.

Thomas Mathar, behavioural researcher and host of The Money:Mindshift Podcast, says a little slack goes a long way.

He said: “Even a modest buffer, like one month’s rent, can give you the breathing space to make better decisions and avoid high-cost debt.

“It’s not just about the numbers, it’s about having mental and financial slack when life throws you a curveball.”

3. Letting debt pile up month after month

More and more people have credit card debt, which means it can be easy to think it’s business as usual, especially when the minimum payments are low.

But ultimately, you’re paying interest to the bank instead of putting that money toward your own goals. Over time, that can add up to hundreds or even thousands of pounds in lost savings.

“Too many people accept credit card debt as a normal state of affairs. It’s not,” says Mathar.

“Paying down high-interest debt quickly is one of the most powerful things you can do for your long-term well being. It’s buying yourself back freedom, and peace of mind.”

If you’re juggling multiple debts, focus on the most expensive ones first and look into 0% balance transfer options if your credit score allows.

4. Having psychological armour to support you

In the age of side hustles and flashy online success stories, it’s tempting to ditch steady work for riskier pursuits.

But without a reliable income it’s hard to build long-term security.

Inconsistent earnings often mean falling behind on bills, using credit to bridge the gap, and struggling to plan ahead.

Mathar warns that it’s important to have some sort of regular income, even if you’re pursuing other hustles on the side.

He says: “A steady income isn’t just about covering bills, it’s psychological armour.

“When you’re living month-to-month or under-earning compared to your potential, the stress compounds.

“You don’t need to chase big money, but you do need income that’s ‘good enough’ to support a resilient, happy life.”

5. Leaving savings in a dead-end account

You might feel good about putting money aside, but if it’s sitting in an easy-access account earning barely any interest, your savings are losing value in real terms.

With inflation still high, the cost of leaving cash in low-yield accounts is higher than many realise.

Adam French, head of news at Moneyfactscompare.co.uk, says this mistake is all too common.

Adam said: “The likes of HSBC, Lloyds Bank, Santander, NatWest and Barclays all have easy access accounts paying around 1.1 to 1.2 per cent interest, far below the typical returns savers could expect, which is currently 3.51 per cent.”

The top performing options can pay even more, and shopping around and switching accounts only takes a few minutes online.

6. Not making the most of your ISA allowance

More savers than ever are being hit with tax bills they could have avoided.

Frozen tax thresholds mean that even modest savers can end up over the personal savings allowance, paying tax on any interest they earn.

That means, if you’re not using your ISA allowance, you’re potentially giving money away for free.

French explains: “Saving and investing are some of the best ways to build wealth over time.

“But it’s important that savers are aware of their tax liability on any profits they make – which can add up over the course of a few years.

Plenty of savers can avoid this tax bill by making use their yearly ISA allowances.

You can save or invest up to £20,000 a year tax-free, and every pound sheltered from tax is a pound that keeps working for you.

7. Only saving for retirement, and nothing else

Putting money into a pension is smart, but it shouldn’t be your only savings plan.

Many people now take career breaks, retrain, care for relatives or start businesses, and those transitions need funding too.

Mathar says ignoring this reality can leave people exposed.

“We don’t live three-stage lives anymore – education, work, retirement… A ‘transition fund’ – even just a few months’ salary – makes those big life pivots possible without financial panic.”

8. Being too harsh on yourself when things go wrong

Money mistakes happen. But too often, people fall into a cycle of guilt and avoidance, especially if they’re already struggling.

That mindset can stop you from facing your finances or reaching out for help, which only makes things worse in the long run.

Mathar believes the solution starts with self-empathy. “Here’s the truth: we’re all a bit messed up when it comes to money.

Our brains are wired for short-term wins, not long-term planning.

The goal isn’t to be perfect with money; it’s to build enough slack, mental and financial, so that one mistake or setback doesn’t knock you flat.”

9. Not overpaying your mortgage when you could

With mortgage rates still high and household budgets under pressure, many borrowers are choosing longer terms to keep monthly payments manageable.

But unless you’re also making overpayments, that strategy can come at a serious long-term cost.

French says small changes now can lead to huge savings later: “Overpaying by £200 per month on that same £250,000 40-year mortgage could shave almost 13 years off the mortgage term, saving them around £123,000 in interest payments.

“This is all without being tied to having to consistently make higher payments every single month – boosting the flexibility of their budget and their financial resilience.”

Most lenders allow up to 10 per cent overpayment each year.

Even £50 a month can help you become mortgage-free sooner and pay far less in interest overall.