Ok now for some very obvious ones, put low energy light bulbs in wherever you can, turn the thermostats down by one degree or so, go to price comparison site to see if you can get gas,electric cheaper from other companies, phone around when renewing insurances for car or house, no point being loyal anymore. don't buy newspapers, you can get all the info you need online as well as the news. also check all building society rates if you have any savings amazing the difference it can make. Ray