Money Management by Ryan Jones

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I know people who have lost the contents of their freezer because the electricity ran out while they were absent. It is all very well turning on the heat, but if you are not careful all that warmth will disappear quite literally into thin air. Before the start of the next winter think over how you could cut down your heating bills; what measures you could take; how much they would cost; and whether they would be cost effective. Many of these money and energy saving ideas can be instigated with a minimum of fuss and expense, many just require a little thought!

Energy-Saving Lightbulbs It is now possible to replace ordinary filament lightbulbs with compact fluorescent lightbulbs. They are ideal for use on lighting appliances that are used frequently and for long periods, such as in How To Save Money 47 halls or living rooms. You might think that the cost of using an ordinary filament bulb is minimal, but when you begin to think how many lights the average house has and how long they are used for, the cost adds up. An energy saving bulb uses roughly three quarters of the electricity of a conventional bulb and will last on average eight times as long.

A lot of heat is lost as it transfers directly from the radiator to the outside wall. It is possible to purchase special foil from DIY stores but ordinary kitchen foil will do. It could save at least £5 to £10 per year on your heating bill. • Loft insulation is essential. If your loft is already insulated but was done several years ago you might find that you can now buy even better insulating material. The insulating material should be at least 150mm thick, and can be fitted quite easily by a person handy at DIY.

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