Heating

• cool down. Knock a degree or so off your thermostat. It's a sure way to chop your heating bills by 10%. To stay cosy, keep temperatures around 20ºC (68ºF) in living rooms and 16ºC (60ºF) in bedrooms.

• replace old for new. If your boiler's getting on for 15 years old, you could be missing out on some major savings - about 20% off your fuel bills. Install a condensing boiler and you'll up that to 32%, or even 40% if you fit good heating controls. Your local council may even provide grants to help you out. Give them a buzz to find out.