Cost of living tips: Saving money and energy

The cost of living is climbing, and that puts a squeeze on all of us. ​Here are some hints and tips that might help a little, and some of them will help the planet too.

People who are widowed don't just lose their partner – they lose their partner's income, and may lose access to their partner's pension and their home. These are part of the secondary losses. Money is the last thing we want to have to worry about while we are grieving.


Benefits
Make sure that you are claiming all the benefits that you are due. The Citizens Advice Bureau can help. For new widows, there are some specific benefits, including the funeral expenses payment and the bereavement support payment. The support payment is currently only due to husbands, wives and civil partners, but this is set to change in 2022.

Heating, lighting and hot water

• Set your central heating timer from only when you need it
• Turn the radiators down in rooms that are not used – leave it on a frost protect setting if you have one. If you have a heating system like Hive and individual radiator thermostats you can heat the house in zones. Watch out for rooms getting damp – a bit extra heat now and then will help
• Turn the central heating thermostat down by a degree or two
• Don't block radiators with furniture
• Have blankets or an electric throw on the sofa for chilly evenings – and if you are reading a book, bed can be warmer!
• Hot water bottles are brilliant - just don't use it with an electric blaket, as water and electricity don't mix well)
• Putting a blanket or thin duvet under your bottom sheet can make the bed warmer
• Turn down the hot water temperature on the boiler
• Have a shower rather than a bath, and keep it short
• Wear jumpers, fleeces or hoodies – and wear a vest!
• Turn lights off as you leave a room
• Replace light bulbs with low energy LEDs
• Have draught excluders at doors, and keep doors closed
• Stop heat escaping up the chimney with card, crumpled newspaper or a Chimney Sheep (the benefit of a Chimney Sheep is that it allows enough air to prevent condensation in your room, and is biodegradable)
• Close curtains and blinds at night and in rooms you are not using – thermal ones will keep in extra heat
• Secondary double glazing, for example self-adhesive window film, stops the loss of heat through windows
• Have hot drinks regularly (and put any extra hot water into a flask to keep warm fro your next hot drink, or your hot water bottle) and have at least one hot meal a day to help you to keep warm
• Don't bath or shower every day, have an old-fashioned flannel wash
• Water meters can save money for people living alone
• There are grants and benefits to help with energy bills

Broadband, phone and TV

• Check with your suppliers to make sure that you are on the right deal
• Cancel any app, magazine or digital subscriptions that you don't use
• Consider swapping between different streaming services every few months, so binge on Netflix now, and then swap to Amazon for a while
• Look for cheaper alternatives to any subscriptions – read magazines in the library, switch from Sky to FreeSat, switch music service
• Share streaming services with a friend
• If you own your own mobile phone, go sim-only
• Haggle – sometimes threatening to leave gets your phone or streaming contract costs down

Food and cooking

• Plan meals and buy only what you need
• Only fill the kettle as much as you need. Save extra hot water in a flask for later, or to fill the hot water bottle
• Use lids on pans
• A steamer means that you can cook your veg while you are boiling rice or potatoes
• Look out for deals – if you use a particular kind of coffee or laundry liquid, stock up while it's on offer
• Buy wonky fruit and veg, or buy from market stalls
• Buy own brands
• Join a food pantry like Wigan's Fur Clemt, a membership scheme where you pay a low membership fee and then can buy a certain amount of food items a week. These aren't food banks, and are open to everyone. The pantry is stocked with surplus food from across the food industry, so reduces waste
• Don't throw leftovers away, make them into something else the next day. Soupmakers are brilliant for using up leftovers, and all those slightly bendy carrots in the bottom of the fridge
  • The Waste Not series has a range of recipes with left overs, including banana skins and left over chips
• Reduce food waste with apps like OLIO or TooGoodToGo
• Freeze bread if you don't think you are going to use it all – you can toast from frozen
• Frozen and tinned fruit and veg is just as nutritious as fresh, and can be cheaper and involve less waste
• Cook in bulk in a slow cooker and freeze
• Have a look at Jack Monroe's Cooking on a Bootstrap website - it's full of simple and low-cost recipes
• Fill your freezer with the food in the reduced section
• If food in the fridge is getting close to the use by date, freeze it – even milk and cheese will freeze (and ignore best before labels)
• Shopping for food online can reduce impulse buys – look out for the cheaper delivery slots
• Don't shop on an empty stomach!
• If you are struggling to pay for food, get a referral to a food bank

Transport

• Walk or cycle rather than drive if you can
• Look for cheaper rail tickets
• Travel by coach rather than train
• If you don't commute every day, look into flexible season tickets

Shopping

• Give away and get stuff for free on Freegle or OLIO
• Buy clothes from charity shops
• Shop at police auctions
• Join your local library rather than buy books, swap books with people, download books (only use legitimate sights, please), borrow virtually, and support second-hand and independent bookshops
• Get free books on Kindle
• Use discount shops, like B&M or Savers
• Get everything out of packaging – cut the top off hand cream and toothpaste tubes and scrape out all the bits, rinse out detergent and shampoo bottles, poor hot water into Marmite jars and use it as stock
• Use buy and sell sites (or set one up)
• Repair broken things rather than throwing them out – look out for local repair cafes
• If you shop on Amazon, have a look at Amazon Warehouse – these are refurbished items or items that have been returned
• Look at the big-name shops on eBay for refurbished items – and link eBay to Nectar for
• points that you can turn into vouchers
• Look for cashback sites, or use a cashback credit card and pay it off each month
• Look at subscription options on Amazon for things you buy regularly
• Hunt out deals, vouchers and promo codes

Keeping fit

• Are you using your gym subscription? If not, cancel it, switch to a cheaper one (you might be able to get a discount on membership if you are on benefits) or a pay-as-you-go or no-contract gym, use a free outdoor gym or Green Gym, look for free gym passes and free trials, exercise at home using YouTube videos, do a Couch to 5k, or join Parkrun
• Shower at the gym rather than come home and shower

Other

• Have a budget, and if you can, make your seven-day budget stretch to eight days - this gives you a little bit of wiggle room
• Switch things off at the wall rather than leaving on standby
• Dry washing on the line or use a heated dryer rather than turning on the tumble drier
• Cut and dye your own hair
• Sell things you don't need on sites like eBay, Facebook Marketplace and Nextdoor
• Don't be loyal to loyalty card schemes – get what points you can where you can and turn them into vouchers
• Stop smoking – it'll be better for your health, too
• If you have more than three prescribed items in three months or 11 in a year, get a prescription prepayment certificate

Other resources
Citizens Advice: If you are struggling with living costs
Martin Lewis' MoneySavingExpert website
StepChange, a debt charity
Money Advice Trust

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