Day: January 16, 2022

National Energy Savings Week: Finance expert on reducing fuel usage and saving money

Personal Finance Expert at CashLady.com, Paul Wilson, shares his top tips on how Brits can reduce their fuel usage and save money this Energy Savings Week: 

It looks like energy prices are likely to rise higher than ever before in 2022. Making sure you’re getting the best deal has never been more important, and taking steps to cut back your fuel usage should be on everyone’s agenda.

Even small changes can help put some money back in your pocket and big tasks, like moving to a new tariff, are worth looking into. This Energy Savings Week, why not try some of these nine ways to reduce your fuel usage and help keep your finances on track. 

1.          Draught excluders

Make sure your doors aren’t letting out valuable heat and letting in the cold. You can buy permanent solutions that attach to the bottom of your door, or decorative excluders that are a quick and easy option. Draught excluders are an inexpensive and effective way to quickly tackle any lost heat from your home.

2.            Seal your windows

In the same vein as draught excluders, making sure your windows are sealed against the cold is a quick win. Older houses especially can have less efficient windows. Window sealing strips can be bought from most DIY stores and are available in various styles to also complement home decor. Additionally, if you have curtains, use them! Lined curtains will keep your room warm in winter and cooler in summer, meaning less need to rely on your heating or cooling systems.

3.            LED Bulbs

The initial outlay may be a little steeper when it comes to LED bulbs. However, they use 75% less energy than their incandescent counterparts, so it’s a switch worth making. They also last longer and so you won’t need to buy them as often which results in long-term savings and less waste. 

4.            Plan and prepare 

Simply being mindful of how and when you use energy can lead to some simple savings. Many of us have our heating on a timer; regularly reassess if the times you use the heating still make sense. Perhaps you still have the same settings you had over the Christmas break, but now you’re home less during the day. There may also be evenings when you’re out and don’t need the heating at all. Turn it off before you leave so you aren’t wasting unnecessary energy.

5.            Be mindful

Just as you can plan and prepare when to have your heating on, you can also consider where in the house you actually need the heating. If the spare room is used for the rare times you have guests, then you can turn that radiator off and shut the door. Radiator valves are also there to be used. Smaller box rooms may be fine with a lower setting. Not everyone you live with will like the same level of heat; children’s rooms may need a lower temperature if they tend to get hot in the night. Think carefully about how you are using your heating, not just when you use it.

6.            Other appliances

There are a whole host of things we use daily in our homes that burn fuel. Make sure lights are switched off when rooms are not in use, put post-it notes on the switches as a reminder if needs be. Try not to use the dryer as this is a huge energy burner, instead put clothes on radiators that are being used anyway. Washing your laundry in large loads rather than little and often is another way to be more efficient. Consider batch cooking some of your weekly meals and freezing them. That way, you’re having to cook less which means using the oven less. 

7.            Credit where it’s due

Find out from your energy company if you’re in credit. If you have regular meter readings and pay by direct debit, you may have been paying too much. This can result in you being in credit. You can choose to carry this credit over, which may reduce your monthly bills, or you can ask for a refund. Energy companies have to issue a refund if you are in credit and you could save this towards future bills or just put it aside for a rainy day. 

8.            Your tariff

Traditionally, moving onto a company’s default tariff has been the most expensive option. As soon as your fixed tariff is coming to an end, you should speak to your energy company about a new deal. However, with energy prices now so high, the capped default price may actually be cheaper than the fixed option. Do your homework and find out if you may now be better off staying with the default tariff until prices (hopefully) decrease, or if your specific usage means you would be better off with a new fixed deal.

9.            Change providers 

As with moving to a different tariff, switching providers is now not as cut and dried as it used to be. As many as 20 energy firms have gone bust recently, so you need to make sure you choose a provider that is stable. Use price comparison sites to see if moving companies could be a good thing, but be sure to do your sums first and don’t assume it will lead to savings. You should also only switch at the end of your contract as, quite often, firms charge an exit fee if you still have several months left on your deal. 

Paul Wilson is a Consumer Finance Expert at Financial Conduct Authority authorised and regulated credit broker Cash Lady.

Blue Monday: GP explains why it could be harmful for nation’s mental health

Known as ‘Blue Monday’, the third Monday of every January is said to be the ‘saddest day of the year’ based on a number of factors, including debt levels, weather and post-Christmas gloom.  

However, not all the evidence behind the day is accurate and the annual event could actually have a negative impact on those struggling with their mental health, argues Christina Papadopoulos, GP at digital healthcare provider, Livi.  

The origins of Blue Monday: 

“The concept originally appeared in a travel firm’s press release to sell holidays in 2005. It was supported by Cliff Arnold, psychologist and life coach, who supposedly developed an algorithm for when the saddest day of the year would occur.  It was said to be based on the weather, levels of debt and time since Christmas, among other contributors.” 

Scientific research to support Blue Monday:  

“It is important to remember that there is no scientific research to support Blue Monday. It originated as a PR stunt and many marketers continue to use the term in order to boost sales of items like holidays or health and wellbeing products.” 

Implications of Blue Monday on mental health: 

“Depression can affect people all year round, regardless of the day. Everyone will have good and bad days throughout the year and putting so much emphasis on one day could imply that depression only occurs one day a year, when in fact, many people live with the condition for months or even years. For people living with depression, the concept of Blue Monday can trivialise a serious condition.  

“The build-up to Blue Monday and the day itself can also create anxiety among those living with mental health conditions, creating a sense of pressure to ‘overcome’ the day.  

“Retrospectively, Cliff Arnold himself recognises how his Blue Monday concept is unhelpful and has the potential to become a self-fulfilling prophecy – a sociological term used to describe a prediction that causes itself to become true.” 

“Starting conversations about depression and other mental health conditions is important and Blue Monday can help to prompt these, but we must remember that these conversations are just as important every day.” 

Blue Monday and SAD: 

“Blue Monday is not the same as Seasonal Affective Disorder (SAD). While many people don’t enjoy the winter months, for some the shorter days can have more serious effects. A lack of sunlight has shown a correlation with symptoms of seasonal affective disorder (SAD) in some people. This is a type of recurring depression with a seasonal pattern. Many of the symptoms of SAD are similar to those of depression:  

·       Persistent low mood and irritability  

·       Loss of interest in everyday activities 

·       Feelings of despair or worthlessness 

·       Lethargy, sleeping for a long time and finding it hard to get up 

·       Craving carbohydrates and putting on weight” 

Identifying depression: 

“Everyone gets low from time to time, but we start to call that feeling depression when it becomes persistent over weeks or months and starts to have a serious impact on your life. When we’re depressed, we may be aware of feelings of sadness, even despair, and we may feel lethargic, have disturbed sleep or eating patterns, and be generally less resilient in the face of normal knock-backs and life events. 

“For very mild symptoms of depression, simple things such as self-help books, regular exercise, a good sleep regime, mindfulness and reduced alcohol intake can help. Sometimes depression symptoms are manageable and pass with time, but sometimes they aren’t, and it’s important to get help – ideally before you reach a crisis point.” 

Seeking help and knowing what’s available: 

“Sometimes, you may need professional support to help manage mental health conditions. If you regularly feel overwhelmed and your symptoms are affecting your day-to-day activities, book an appointment to speak to a doctor or therapist where you feel most comfortable, whether that’s digitally or in-person.  

“Your doctor or therapist may suggest talking therapy or cognitive behavioural therapy to help, as well as medication. Remember your doctor is available to help all year round, not just on Blue Monday.” 

Earth in Common needs your help!

Do you have a few hours to spare each weekday from tomorrow – Monday 17th January?

Earth in Common (formerly Leith Crops in Pots) are in need of some help shifting bits & bobs/decluttering/organising ahead of our big renovation.

Tea & coffee will be provided!

Wrap up warm & come chat with our team from 10am.

Scottish government: Financial support for professional sports

Professional sports affected by the recent COVID-19 crowd limits have been allocated £2.55 million in financial support from the Scottish Government.

The funding comes from the £5 million announced for professional sport on 5 January, as part of £375 million in wider business support.  It will  support up to 75% of losses after the Omicron outbreak saw a limit of 500 introduced on outdoor crowds.

This restriction will be lifted tomorrow – Monday 17 January.

The funding will also support clubs impacted by the limit of 200 on indoor sports. The traditional Boxing day Premier League football fixtures and  horse racing at Musselburgh on New Years Day were among the events affected by the restrictions.

Sports minister Maree Todd said: “These sports  clubs are at the heart of their communities, but many of them have suffered real hardships as the necessary COVID-19 lockdown restrictions meant attendances were heavily restricted.

“This funding will help to ensure clubs are able to bridge the gap in revenue, as spectators  return safely to sports events in larger numbers when these restrictions are eased next week.

“This Government has pledged to provide  funding to support organisations affected by the necessary measures to keep us all safe and these allocations show we are doing this.

“We will continue to work in partnership to support all our sports clubs to help them through this difficult time and to ensure this  funding can be accessed by all clubs as efficiently as possible.”

The funding package is split as follows:

  • Ice hockey – £350,000
  • Basketball – £20,000
  • Horse Racing – £265,000
  • Rugby – £125,000
  • Football – £1.79million

Total: £2.55 million

Further funding from the £5million may be allocated in the event of further restrictions having significant financial impacts.

Ice hockey and basketball clubs affected, deemed to be most in need, will receive their funding directly from sportscotland.

The other sports will see the funding provided to governing bodies who will then distribute it to members. The amounts for each football club will be finalised by the SFA/SPFL  after this weekend’s fixtures, as they are included in the period of restrictions.

Council stops cutting the grass …

… but only to support our wildlife, of course!

Changes to the management of grassy areas in Edinburgh are helping butterflies cope with the impacts of climate change …

As the climate warms, more species are able to move north into new areas that were previously too cold for them, but they still need the right habitat to survive.

For three species – the Small Skipper, Wall Brown and Speckled Wood butterflies – areas of long grass are just what they need. Caterpillars of all three species feed on these grasses, but they are easily wiped out if the grass is cut too often.

Initiatives from the City of Edinburgh Council and other partners in the Edinburgh Living Landscape programme, which is led by the Scottish Wildlife Trust, have helped these species move into the city, and have even given them a stepping stone into south Fife where all three are now being seen for the first time.

The Council has helped by naturalising 264 acres of amenity grassland, which only get cut at the end of summer, through Edinburgh Living Landscape’s Nature in your Neighbourhood project and by sowing wildflower meadows. These are changes which boost populations of bees and other pollinators. With more insects around, animals like birds and bats will also benefit from the changes.

One of the most striking examples has been at Silverknowes Park on Muirhouse Parkway, which is now home to 14 different species of butterfly.

This tiny park has been worked on by Council staff and volunteers from Butterfly Conservation through the Helping Hands for Butterflies Project for a few years now, and the list of species there keeps growing.

The most recent finds were of Small Skippers (above), a species that only arrived in Edinburgh four years ago. This species only lays its eggs on the flower stems of tall grasses, so the habitat at the park is perfect for them now.

Projects to create and maintain wildflower meadows throughout the city have helped encourage the spread of these butterflies.

At the nearby National Museums Collections Centre in Granton, staff have brought about changes to the management of the site that have seen numbers of butterflies and moths increase dramatically in just two years.

Further along the coast, work through the Edinburgh Shoreline project is helping to create yet more coastal grassland.

All of these projects work to create a series of stepping-stones that help butterflies and other insects move through our urban landscape and on into new areas in the countryside. This was demonstrated by the fact that the first sightings of the Small Skipper and Speckled Wood in south Fife were around North Queensferry, and Wall Brown butterflies have been seen near Dalgety Bay.

Climate change is one of the greatest threats to nature and connecting habitats is more important than ever to allow wildlife to respond to changing temperatures.

The City of Edinburgh Council’s Culture and Communities Convener Donald Wilson said: “We’re very proud of our parks and greenspaces and our Biodiversity Action Plan is designed to help us enhance their quality and natural heritage.

“Under the strategy we’ve undertaken many projects to open up our environment to nature and provide a welcoming habitat for a wide variety of plants, birds and insects, including encouraging native wildlife to urban settings and allowing the public to reap the benefits and get involved.

“It’s a sign of success that these areas are now home to these new species of butterflies. These beautiful insects are not only an indicator of the health of our environment in the Capital, they are essential as pollinators and food for other species.”

Culture and Communities Vice Convener and Thriving Greenspaces Champion Amy McNeese-Mechan said: “This is a fantastic new approach which ensures that these beautiful insects are at home in the Capital.

“Working collaboratively with partners like Butterfly Conservation through the Helping Hands for Butterflies Project and community involvement are key components of our strategy.

“Together we will work to raise awareness of the rich biodiversity in Edinburgh, enable others to take positive action to protect and enhance our natural environment, and influence other plans, policies and strategies relating to Edinburgh’s open spaces.”

Anthony McCluskey, Project Officer with Butterfly Conservation said: “Some butterfly species move quickly in response to climate change, so the spread of so many new species in Scotland shows us how much change there has been already.

“Initiatives like this to provide more land for them to breed can help populations move through the landscape, helping to secure their long-term future.

Dr Cathleen Thomas, Living Landscapes Programme Manager, Scottish Wildlife Trust said: “It’s really encouraging to see how quickly these butterflies have colonised the city thanks to the new habitat that Edinburgh Living Landscape partners have created.

“This is a great example of how creating new green networks in Edinburgh can help tackle the climate and nature crisis by helping wildlife adapt to change.”