Energy is typically the third largest cost for UK households after housing and food. Gas and electricity bills have risen significantly in recent years, and for many households they are now a meaningful financial pressure. The good news is that a significant portion of energy spending can be reduced through simple changes to habits and home settings, without making your home cold or uncomfortable.
Set your heating to the lowest comfortable temperature
The Energy Saving Trust estimates that turning your thermostat down by just one degree can save around £80 to £100 per year on a typical energy bill. Most people are comfortable at 18 to 20 degrees. Setting the heating to come on only when the house is occupied and dropping the temperature slightly overnight are two simple changes with a meaningful impact.
Use a smart or programmable thermostat
A programmable thermostat lets you set different temperatures for different times of day automatically, so you are not heating an empty house. Smart thermostats can learn your patterns and adjust accordingly. If you do not have one, a basic programmable room thermostat is inexpensive and can pay for itself quickly.
Switch appliances off at the wall
Appliances left on standby still consume electricity. TVs, monitors, games consoles, and phone chargers all draw power when not in active use. The average UK household spends around £55 a year on standby power. Switching devices off at the wall when not in use costs nothing and saves a meaningful amount over a year.
Wash clothes at 30 degrees
Modern washing machines and detergents clean effectively at 30 degrees. Washing at 60 degrees uses roughly three times more energy than washing at 30. For most everyday laundry, the lower temperature is equally effective. Doing full loads rather than half loads also uses energy more efficiently.
Check you are on the right energy tariff
If you have been on a standard variable tariff for more than a year without reviewing it, it is worth comparing. Energy prices are regulated via the price cap, but suppliers offer different tariffs and fixed rates. A comparison site like Uswitch or MoneySuperMarket can show whether switching saves money. Even staying with your existing supplier on a different tariff can sometimes reduce your bill.
Check eligibility for energy support schemes
The Warm Home Discount provides a one-off reduction to eligible low-income households on their electricity bill. The scheme runs annually and eligibility is partly determined by your benefits status. The Great British Insulation Scheme and ECO4 offer free or subsidised insulation for eligible households. Energy suppliers must advertise these — you can ask your supplier directly what you qualify for.
How Ask Fin can help
My Monthly Budget lets you track your energy costs as a visible line in your budget. The Leak Detector helps identify whether your energy spending has crept up beyond what you expected or budgeted.
Secure payment via Stripe. Cancel anytime.
Ask Fin provides general guidance only. Energy tariffs, schemes, and eligibility criteria change regularly. Always check current details directly with your supplier or GOV.UK.