Emergency legislation giving tenants increased protection from rent increases and evictions during the cost of living crisis has become law after receiving Royal Assent.
The Cost of Living (Tenant Protection) Act gives Ministers temporary power to cap rent increases for private and social tenants, as well as for student accommodation.
This applies to in-tenancy rent increases, with the cap set at 0% from 6 September 2022 until at least 31 March 2023, effectively freezing rents for most tenants during this period.
Enforcement of eviction actions resulting from the cost crisis are prevented over the same period except in a number of specified circumstances, and damages for unlawful evictions have been increased to a maximum of 36 months’ worth of rent.
Tenants’ Rights Minister Patrick Harvie said: “Many people who rent their homes are facing real difficulties as a result of the cost of living crisis. While bills are rising for all of us, many tenants are more exposed as they are more likely to be on low incomes or living in poverty than other people.
“These measures aim to give tenants greater confidence about their housing costs and the security of a stable home.
“Some landlords may be feeling the effects of this crisis too. So while the primary purpose is to protect tenants, the emergency measures also include safeguards for those landlords who may be impacted.
“For anyone struggling with their rent, I would urge you to contact your landlord, an advice organisation or a tenants’ union to get help as early as possible.”
Edinburgh Lettings Agent Clan Gordon has been looking at what this means for the landlords and tenants that they represent.
Clan Gordon Managing Director, Jonathan Gordon, was part of the Scottish Government’s working Group which consulted on and helped them develop the Private Residential Tenancy (PRT) regime in 2017 which transformed the sector, introducing far greater protection for tenants and simpler procedures for landlords.
He said: “It is reassuring to hear Ministers say the new Cost of Living (Tenant Protection) Bill balances the protections that tenants need, with safeguards for those landlords who may also be impacted by the financial crisis.
“Under the new law, rents for existing private and social housing tenants cannot be increased until at least the end of March 2023 and can be extended for up to a further 12 months in two six-month blocks.”
So, what does this mean for landlords? Although the rent cap can continue at the current 0% rate or can be varied at ministers’ discretion, there is no cap or limit on increasing the rent when advertising for new tenants.
Jonathan continued, “Despite the media attention when this was announced this is not a ban on landlords ending tenancies. Landlords can still serve notice as normal if they wish to end a tenancy.
“Most tenants leave during the notice period when they find alternative accommodation so this restriction will have little effect here. If the tenant doesn’t leave during the notice period, the landlord can apply to the tribunal for an eviction order as normal.
“However, the legislation delays a landlord from enforcing an eviction order issued by the tribunal in some circumstances for up to six months.
“Tenants can still be evicted for anti-social behaviour, lender reposition, abandonment, substantial rent arrears or if the landlords intend to sell or move back in to the property to alleviate financial hardship.
“We are also very pleased to see that as well as considering the tenants in this legislation, there are new safeguards for private landlords who find themselves impacted by the cost-of-living crisis.
“In certain circumstances, Landlords will be able to apply to Rent Service Scotland to increase the rent on a property to cover up to 50% of a limited number of specific costs, including increased mortgage interest payments and increases in landlords insurance or service charges.
“Interestingly the rent cap also applies to university halls of residence and other student accommodation where energy costs may be included in rent payments.
“There has been widespread concerns about increases to fuel prices, but the legislation prevents landlords passing on gas and electricity cost rises, in increased rents within the next six months unless the landlord can prove excessively high use of any utilities.
“Students are also covered by the same eviction laws and can only be evicted in cases of anti-social or criminal behaviour.
“Our approach has always been to encourage landlords to help us support any tenant who faces any difficulties including financial ones and in conjunction with our landlords we worked to support a lot of tenants financially and otherwise during the Covid pandemic and lockdowns.
“This is going to be a difficult road ahead and we are pleased that the government has put some measures in place to support and protect landlords and tenants.
The government advice website www.costofliving.campaign.gov.scot offers helpful tips, advice and guidance and our team will be very happy to offer advice about the new legislation to those affected by the current cost of living crisis.”
Heart Research UK Healthy Heart Tip, written by the Health Promotion and Education Team at Heart Research UK
Healthy Heart Tip: Cholesterol – Don’t Let it Scare you
Cholesterol is a fatty substance found in our blood. There are two main types, LDL, sometimes termed ‘bad cholesterol’, and HDL, sometimes termed ‘good cholesterol’.
We need some of both types to be healthy, but an incorrect balance can be harmful. Being told we have high cholesterol can be scary and leave us worried.
This Halloween we encourage you to become informed and take positive action to restore a healthy cholesterol balance, and to reduce the fear that goes hand in hand with a diagnosis:
Increase fibre intake
Fibre is a type of carbohydrate that comes from plants, and research tells us that those people who have more fibre in their diet have lower cholesterol.
Aim to eat fibre from a variety of different sources such as fruits, vegetables, wholegrain, nuts, seeds and pulses (lentils and beans).
Pumpkins are a great source of fibre, when you are carving your pumpkins this week why not use the flesh to make a fibre-rich pumpkin soup.
Exercise more
We should be aiming for at least 150 minutes of exercise per week.
Aerobic exercise such as running or cycling can help increase the levels of ‘good cholesterol’ in our blood.
Aiming for 30 minutes moderate physical activity, five times per week will help restore a healthy cholesterol balance, among many other health benefits.
Limit alcohol consumption
Alcohol can raise the levels of cholesterol in our blood. Cutting back on how much we consume can improve the health of our liver, meaning we can better remove bad cholesterol from our blood.
The good news is there are many alcohol-free alternatives available in the supermarkets and in pubs nowadays.
It is recommended that we limit our alcohol consumption to 14 units per week (about six pints of average strength beer or about five 250ml glasses of wine).
Drivers currently paying £463 on average following a recent spike
Drivers in central Scotland have seen the biggest increase to their car insurance premium over the past 12 months. The current cost stands at £505, on average, following a £73 (17%) rise.
Drivers in the Scottish borders are currently paying the cheapest rates for their car insurance. Premiums are £391, on average, despite a 20% price increase in the past 12 months.
Although FCA changes to regulation have made pricing fairer to customers at renewal, further research highlights that this does not necessarily protect customers from price increases. More than 2 in 5 (41%) UK drivers who received a renewal quote in the past 3 months said that they saw an increase of £38, on average(1).
However, those who shopped around using a price comparison website were able to save £50 on their car insurance, on average.
With the current cost-of-living crisis affecting millions across the UK, Confused.com recently launched its money saving hub to support consumers and give advice on how to manage recent price hikes.
In light of the recent price increases, Louise O’Shea, CEO at Confused.com emphasises the importance of shopping around for the best deals and why drivers shouldn’t settle for auto-renewal.
That means motorists are seeing a £69 increase compared to this time last year. That’s according to the latest car insurance price index (Q3 2022) from Confused.com, powered by WTW. Based on 6 million quotes a quarter, it’s the most comprehensive car insurance price index in the UK.
However, some drivers in Scotland could be paying more than the national average, depending on the region in which they live. The latest data shows that drivers in central Scotland are currently paying the most for car insurance.
Their current premium is £505, following a £73 (17%) year-on-year increase. Despite facing an annual increase of £64 (20%), drivers living in the Scottish Borders pay the cheapest rates for their car insurance, with an average premium of £391.
Meanwhile, drivers in East and North East Scotland are paying £431, on average, for their car insurance. That’s as drivers faced a £69 (19%) increase in the past 12 months. And as for drivers in the Scottish Highlands and Islands, the current car insurance premium is £420, on average, following an increase of £61 (17%).
Region
Average Premium
YOY £
YOY %
Scottish Borders
£391
£64
20%
Central Scotland
£505
£73
17%
East & North East Scotland
£431
£69
19%
Scottish Highlands & Islands
£420
£61
17%
It’s a similar picture across the rest of the UK, where prices continue to rise. In fact, premiums have risen by £72 (14%) in the past 12 months alone.
The current UK premium stands at £586, on average, and is the highest annual increase in the past 5 years.
With the latest data revealing that premiums are on the rise, some drivers might think that they’re better off sticking with the same insurer when it comes to renewal. But further research conducted by Confused.com finds that some insurers don’t seem to be doing enough to protect their existing customers.
In a survey of 2,000 UK drivers, data reveals that more than 2 in 5 (41%) drivers who considered sticking with their current insurer received renewal quotes £38 more expensive than the previous year, on average(1). That’s despite the fact that more than a quarter (28%) of drivers who have renewed so far this year thought that their insurance quote would be cheaper this time around.
However, some motorists are taking action after receiving a more expensive renewal and are really seeing the benefits of switching. More than a quarter (27%) of drivers who chose to shop around using a price comparison site were able to save £50, on average. In fact, the Financial Conduct Authority (FCA) is actively advising consumers to shop around when it comes to buying insurance for this very reason.
Earlier this year, the FCA made important changes to stop ‘price walking’ and ensure all customers were treated fairly, but it seems some motorists remain complacent as a result. One in 5 (20%) drivers told Confused.com that they were less inclined to shop around because of these changes.
However, these new regulations don’t mean that better deals still can’t be found elsewhere and, as research shows, consumers are saving money by switching.
While the cost of car insurance premiums is on the up, there’s no ignoring the fact that the general cost of living is increasing, too. That’s why it’s more important than ever to shop around for the best deals. And as we head into the colder months, it’s clear that money will be tight for many.
With difficult months ahead, Confused.com has launched a money saving hub to help people understand where they can save money on bills to balance out price hikes. The hub focuses on a variety of insurance options, but also includes advice on how to be more fuel efficient and keep car costs down.
Its aim is to provide useful and digestible information that will help customers save money, without necessarily having to compromise and give up essentials.
Louise O’Shea, CEO at Confused.com, comments: “With costs currently rising all around us, I’m sure it comes as no surprise that the cost of car insurance is increasing, too.
“However, the pace at which it’s rising will be a real worry for many. The latest figures reveal a true example of how volatile the market currently is, which is why I need to stress just how important it is to shop around when it comes to renewing any insurance policy.
“As we head into winter, money is going to be tight. With concerns over the rising costs of energy, fuel and even food, millions of us will be looking for new ways to number-crunch and save money where we can. In recent months, the FCA have really amplified the importance of shopping around to help find some of the best deals out there during this time.
“Research shows that customer loyalty doesn’t always pay off, which is why it’s always encouraged to shop around and see what else is out there. If you switch insurers using Confused.com, there’s some fantastic rewards available that could help during a difficult time.
“A £20 voucher could pay towards a food shop in Lidl or even go towards an MOT or service in Halfords. And we even guarantee to beat your renewal(5). If we can’t, we’ll give you £20, plus the difference. Either way, you’re better off just by using a price comparison service.
“I cannot emphasise enough just how important it is to take time, do your research and compare insurance prices. You might be missing out on fantastic deals and it will really help in the long run.”
Firework season will soon whizz-pop into our lives and for this Halloween, Diwali and Bonfire Night, Dogs Trust West Calder is issuing advice to dog owners to help our canine companions, who might be scared by the unexpected bangs and bursts of fireworks.
Susan Tonner, Dogs Trust West Calder Manager said: “Dogs have approximately four times more sensitive hearing than humans, so the loud cracks and bangs of fireworks can often be a terrifying and confusing experience for them.
“Fireworks tend to be sudden, unpredictable and bright. This combination can be distressing and have a lasting impact on dogs.
“There are lots of things dog owners can do to help make fireworks less stressful including having a clear plan, ahead of time, to help their dog cope. Dogs will respond to fireworks in different ways, some will want to find a cosy hiding place, whilst others will want reassurance. It is important to recognise the individual needs of your dog, whilst also letting your dog do what makes them feel most comfortable.”
The charity urges owners to visit its website for full guidance on how to help dogs stay safe and settled during fireworks. The top tips include:
· Adapt your routine – To avoid taking your dog out when fireworks have started, gradually change their routine in the weeks leading up to events. For example, it may be a good idea to start walking them earlier in the day alongside gradually changing their feeding time to allow them time to exercise, eat and toilet before dark.
· Plan ahead – Ensure you are aware of any local firework displays and make arrangements so your dog is not left alone. Prepare their environment in advance, close curtains, turn on the lights, and turn on the television or some music to help block the outside noise.
· Keep your dog safe – Make sure your house and garden are secure.
· Recognise the needs of your dog – Fireworks can spark varied reactions from dogs, some will appear relaxed and unbothered by the loud bangs; others will show signs of anxiety or fear. They may show subtle signs, such as panting or licking their lips, finding somewhere to hide or seeking attention from their human family. Or they may show more obvious signs, such as pacing, barking or even toileting in the house. Whilst these signs can be directly related to fear of noise, they can also indicate underlying health problems so please contact your vet as early as possible.
· Enable their preferred response by letting your dog do what they feel most comfortable with. Some dogs will benefit from having a safe place to retreat to should they feel worried by fireworks. Introduce this safe place well in advance and encourage them there by building up positive associations with their new ‘den’. Other dogs will cope best by seeking reassurance, so give them attention and comfort if they seek this out. Some dogs may not seem worried, and it’s best to keep them occupied with their favourite toys or activities to reduce the likelihood of them becoming anxious – experiment before the firework season begins, and slowly introduce them, to find out what they enjoy the most. It is important to remember, fear of fireworks can appear at any time and any age, so it is essential to support your dog throughout their life.
· Seek guidance from your vet – they can help with advice, refer you to a clinical behaviourist, and may also prescribe medication if deemed necessary to help your dog cope. Medication can be extremely useful where dogs are fearful as it can not only help them cope during the fireworks event, but also stop their fear escalating after each event. Give any prescribed medication well in advance of events starting.
Susan adds: “We recommend noting down how your dog reacted during the fireworks and what worked well to help them cope in preparation for the next firework event.
“The following day, after an evening of fireworks, we would also advise returning to a normal routine to help dogs settle down. If they were worried during fireworks, it is a good idea to seek professional help before the next firework season starts.”
If you are planning a firework display at home, please consider:
· Letting your neighbours know well in advance, so they can prepare their dogs.
· Limiting your display to 30 minutes or less.
· Opting for quieter, lower decibel fireworks.
For those who have welcomed a puppy into their life recently, check out the free sound therapy programmes, that can help to gradually expose puppies to different noises in a positive way, so they can perceive them as normal.
Dogs Trust recommends dog owners to seek veterinary advice for any concerns. They can check if there are any contributing medical problems, and if necessary, refer you to a clinical behaviourist. Read our advice on finding a qualified behaviourist
· Historic city centre hotel partners with sleep specialist Donna Fairley to create a recipe for the ideal winter’s night sleep as the UK prepares for clocks to change
· InterContinental Edinburgh The George has also worked with independent Scottish perfume house, Jorum Studio, to create a new bespoke scent – featuring Scottish botanicals of lavender and gorse – to help guests drift off
· Guests will also have access to in-room yoga sessions from Hot Yoga Edinburgh, to relax the mind and body
· The room add-on service is bookable from 30 October when clocks change to Greenwich Mean Time for winter
Travellers to Edinburgh will have even sweeter dreams from October at InterContinental Edinburgh The George, as the luxury hotel launches A Moment of Tranquillity aimed at helping guests to unwind and get a great night’s sleep in time for the season changing.
The historic city centre hotel has worked with a selection of local partners to develop the ultimate relaxation package, which will launch on 30th October to coincide with the clocks changing.
Partnering with behavioural sleep expert Donna Fairley, a Cognitive Behavioural Therapist for Insomnia from Sleep Consultancy Ltd in Edinburgh, the hotel has gathered expert tips on counteracting issues that the changing seasons can bring to slumber, to create the new room add-on package.
InterContinental Edinburgh The George has also worked with Scottish perfume house Jorum Studio to develop a signature scent, which will be spritzed during a luxury turndown service.
Jorum was established in 2010 by Euan McCall as one of Scotland’s first fragrance houses. In 2019, Euan launched Jorum Studio with his partner, Chloe Mullen, and the pair have been building a new, world-class perfume making industry in Scotland from their base in Edinburgh’s charming Stockbridge. Jorum crafts everything in-house, creating innovative and eclectic fragrances with the highest quality materials.
The new sleep-inducing room spray is named after the winter Celtic Goddess Cailleach, and encapsulates the soothing scents of chamomile, jasmine, ylang ylang, lavender and raspberry. The luxurious soft musk-based fragrance also features gorse, in a nod to the Scottish landscape that has inspired much of the interiors of the luxury property.
Meanwhile, to help guest clear their minds before sleep, yoga studio, Hot Yoga Edinburgh, has provided a bespoke aromatherapy yoga class and morning wake-up routine, available for guests to view in room.
Instructor Allison Harrison will guide guests through a restorative series of gentle seated and standing positions to help clear the mind, relax the body and reduce stress levels.
Michael Martin, General Manager at InterContinental Edinburgh The George, comments: “We know that whether you are travelling for work or play, sleeping well can help you to have a far more successful and enjoyable trip.
“Our specially curated Moment of Tranquillity package will help guests relax and enable them to have the dream stay in any of our splendid rooms.
“Everyone wants to get the most from exploring beautiful, historic city destinations like Edinburgh and our new offering will allow guests to wake up refreshed after a peaceful night sleep, ready for the day ahead.”
Behavioural sleep specialist, Donna Fairley, comments: “Autumn is a wonderful time for long nights, curling up with cosy blankets and relaxing by the fire. Getting a good night’s sleep in winter should seem like no problem.
“However, for some people, winter can wreak havoc on sleep quality and quantity, particularly when we set our clocks back one hour for daylight saving time. If you’re busy and travelling, perhaps even more so.
“During the first few days after setting the clocks back, you will also notice that it’s bright outside in the mornings and becomes dark at an earlier time each evening. If you’re one of those people who finds that these colder, shorter months mean more tossing and turning at night it may be because fewer hours of daylight in the winter can have a big impact on your sleep-wake cycle.
“There is no single fix for everyone but there are great sleep hygiene tips available. These scientifically validated tips have been included in ‘A Moment of Tranquillity’ to help visitors get the best night’s sleep possible in the luxury surroundings of InterContinental Edinburgh The George.”
Donna’s top tips and strategies for practicing good sleep hygiene:
1. Establish a consistent routine, try and keep a regular bed and wake time, including at the weekend, as this can help prepare you for time changes.
2. Get sunlight exposure as soon as you get up. Get outdoors in the morning, soon after the sun comes up. If that’s not possible, try to at least sit by a window during the first few hours of daylight.
3. Caffeine should be consumed in the morning as it can enhance performance. Caffeine consumed within six hours of bedtime can disrupt your sleep cycle. Avoid alcohol close to bedtime. Alcohol has a sedative effect and will make you fall asleep quickly, but it has been linked to poor sleep quality and duration.
4. In the evening, dim lighting is important. The bedroom should be as dark as possible with black-out blinds and lined curtains. When you are ready to sleep, the room should be so dark you cannot see your hand.
5. The bedroom should not be too hot; the ideal temperature is around 18 degrees Celsius. A drop in room temperature should start around two hours before you go to sleep, coinciding with the release of the sleep hormone melatonin.
6. If you tend to be a worrier, factor constructive ‘worry time’ into the early evening but not too close to bedtime. Try to think about what went well that day. Have a to-do list for outstanding tasks for the following day, so that when you waken during the night, you can reassure yourself that everything is in hand. Let it go!
7. Relaxing scents and fragrances can help you unwind.
8. Have a hot bath or shower two hours before bed, using scented oils to help you unwind. This will not only help you to relax but will initially raise your body temperature which will then fall and thereby optimise the natural effects of melatonin.
9. Practice stretching before bed. Yoga has been proven to initiate and allow for a deeper, more relaxing sleep.
10.With its soothing and mildly sedative effect, chamomile tea prior to bedtime can help with sleep.
InterContinental Edinburgh The George is perfectly nestled in Edinburgh’s old town. Each of its rooms and suites sit above the city bustle with a colour palette matching the Scottish landscape of Highland glens to forest ferns and mountain heathers.
Luxury interiors with homely design touches including throws, bathrobes and black-out curtains, make it the ideal spot for a restful night this winter.
A Moment of Tranquillity is a pre-bookable luxury turndown service, using the bespoke Jorum scents and includes access to Hot Yoga Edinburgh’s evening and morning classes, Byredo bath products, and warm chamomile tea served just before bedtime to help guests fully relax.
Building on the advice from sleep expert, Donna, the hotel’s housekeeping team will pre-set the room temperature to 18 degrees for guest arrival, to help them unwind from the moment the step inside the hotel. Guests can also dd a gentle morning wake-up call.
Guests booking Moment of Tranquillity are being offered an exclusive 20% discount at Jorum Studio, to explore the perfumery during their stay, and find their ideal winter scent.
A Double Classic Room starts from £170. To arrange Moment of Tranquillity on a visit to InterContinental Edinburgh The George, email edinburghthegeorge@ihg.com.
Five ways to save money with pet costs at an all-time high
· 3.4m Brits have given away pets this year as costs soar
· As price of pet products reaches all-time high, animal experts offer their money saving tips from tooth brushing to how to get the cheapest pet food
The price of owning a pet is on the rise, with inflation on pet products, such as food, health items and treats, up a massive 85% since 2015.
Pet food costs in particular have seen a stark rise, with shoppers hitting out at high price increases in supermarkets such as Tesco, Asda and Morrisons. The cost of pet care has also increased by 10% in the last year.
3.4m Brits made the heartbreaking decision to give up a pet in the last year, with rising costs a key factor. Trusted Housesitters, who provide pet sitting services, has looked into the data and offered five money saving tips for pet owners who may be struggling with costs.
1. Research different pet foods
Pet food can be one of the largest outgoings when owning a pet. Whilst some dogs and cats have sensitive stomachs, for many, putting them onto different food can be a great way to save money. Make sure you do your research and look at the ingredients – there are many reasonable priced brands which could save a lot. There are also price comparison supermarket apps, such as Trolley, so you can see where has the best prices on that day. Buying in bulk could also save you in the long run.
2. Brush your pet’s teeth
A study into dog’s teeth showed that 85% of dogs over 4 years old have periodontal disease[1], which results in infections and inflammation of the gums. Keeping your pet’s teeth clean can help to avoid hefty vet bills, brushing your cat or dog’s teeth every day (or at least twice weekly) can keep them healthy, which will save you money in the long run.
3. Learn to groom
Pet grooming is vital in making sure they stay healthy and comfortable, however it can be costly, at £43 on average a session, which can increase depending on the dog. If you are able to, learning to groom them at home can be a good money saving exercise. Think of things like clipping their nails, trimming their coats and cleaning around the eyes and ears, there are many helpful online sources which can help and if you are worried, or it can be impossible due to the breed then please do visit a groomer.
4. Don’t skip the vet visits
Make sure your dog stays fit and active, has plenty of clean water and don’t skip your vet visits, as it could lead to them catching things early, which otherwise may cost a lot to fix. Going every 3-6 months for a health visit could be life changing. You could also ask your vet about payment plans to spread the cost of any treatment.
5. Stick with tough dog toys
Whilst fluffy teddies may be cute, they often don’t last long with a dog involved! Durable, good quality toys will last longer, saving you money in the long run by outlasting cheaper alternatives.
For more useful advice on owning a pet, please visit:
Heart Research UK Healthy Heart Tip, written by the Health Promotion and Education Team at Heart Research UK
Healthy Heart Tip: Exercise and Menstruation
In the UK there are 15 million women of menstrual age. The average woman will menstruate around 500 times throughout her lifetime. We know that exercising can improve our cardiovascular health, but should you exercise during your period, and is it beneficial?
We cover some FAQs here:
Can exercise reduce menstrual cramps?
More research is needed in this area to give us a definite answer on how exercise can reduce period pain. Given the overall health benefits of exercise, and the relatively low risk of side effects reported in the general population, women may consider using exercise, either alone or in conjunction with other modalities to manage menstrual pain.
Do my iron levels change during my period?
Iron is important in making red blood cells, which carry oxygen around the body. Exercise can lower the iron levels in your blood, especially if you exercise at a high intensity or for long periods of time. Heavy menstrual bleeding can make you more susceptible to iron deficiency anaemia.
In order to keep exercising, and maintain normal iron levels during your period, we recommend you look to consume iron rich foods (red meat, beans, nuts, dried fruit, fortified breakfast cereals) during menstruation.
Can over-exercising cause irregular or missed periods?
If you are over-training, and you’re burning far more calories than you are consuming, this can cause either irregular or missed periods. A regular period is a sign of good health. If you experience irregular or missed periods this can cause other serious health conditions, and therefore you are advised to speak to a nurse or doctor.
Exercise has many health benefits, and researchers have not been able to find any differences during the menstrual cycle in a woman’s ability to exercise. Consequently, it’s important to continue aiming to achieve 150 minutes of physical activity per week, even during your period.
From small jobs to big changes, here are our top tips for cutting your energy bills
WHICH? consumer research found that in August 2022, 65% of households cut back, dipped into savings or borrowed money in order to cover essential spending. And with most people’s gas boilers whirring into action this month as the temperature drops, outgoing expenses are only increasing.
Our experts have identified a variety of ways to reduce your heating energy bills this winter.
The big things can drastically change how much energy you use every year, while the small things can cheaply make an immediate dent in your bills during a time where a bit of help goes a long way.
Sometimes it’s simply a matter of using a new boiler setting or spending 15 minutes plugging a gap in your home that provided a welcome breeze during the summer heatwave. We’ve also listed a few more expensive, longer-term fixes. If you do feel able to, it’s worth thinking about whether any of these could suit your home.
Read on for our top tips for getting ahead this winter.
Emily Seymour, Which? Energy and Sustainability Editor, said:“Many people will be looking to save money by reducing their energy use this winter. Some easy ways to cut your bills include using radiator valves to make sure each room of your house is only ever as warm as you need it to be.
“If your home has a single room thermostat, it should be set at the lowest comfortable temperature as heating bills will rise by about 10 per cent for every additional degree you turn it up.
“Combi boiler owners can try turning its flow temperature down and the preheat setting off. Tap water will initially come out cool before it heats up, but you’ll be wasting less energy.
“If you have a hot water cylinder, you can’t make use of low flow temperatures. Instead, insulate your hot water tank with a jacket no less than 75mm thick and make sure you’ve got lagging on pipes.
“Simple steps like placing weatherproofing tape over gaps or putting down a draught excluder can guard against heat loss.”
Boilers are easy to cast as a cost-of-living villain. They’re big, sometimes noisy, most of them run on fossil fuels, and they can have a big impact on your energy bills – in fact, in most homes the boiler is the one single thing that uses up the biggest portion of your annual energy bill.
But a central heating system that’s working efficiently and using energy proportionate to your home’s heating need is still the best way to heat your home during the coldest months of the year.
For most people, the priority should be making your boiler cost less to use, and not deferring to replacements like portable heaters.
There’s a lot you can do to make your heating run more efficiently:
Get your boiler serviced. This will reduce the chance of a costly emergency repair and keep a new boiler in warranty. Plus, a well-maintained central heating system will run more efficiently, and you can ask your boiler engineer about whether your boiler’s settings can be toggled to run more cheaply. If you rent, you are within your rights to ask your landlord to arrange a boiler service every year.
Toggle pre-heat off. Combi boilers use water on demand, but sometimes they pre-heat water so it’s ready to get to taps quicker. This is nice, but it will keep your boiler burning more than it needs to.
Bleed your radiators – or ask an engineer to do it if you prefer – and install thermostatic radiator valves (TRVs) onto them so you can turn radiators off in rooms you don’t often use (more on this below).
Combi boiler owners should look at their flow temperature. You can save up to 8% on your heating bill by turning down the temperature of the water that gets circulated around your radiators. If your boiler heats this water to its max, your boiler won’t even condense, which means it’s running inefficiently.
The Heating & Hot Water Industry Council (HHIC) recommends that people adapt their boiler settings with the advice of a boiler engineer. This is particularly true if you have a system or regular boiler that keeps water stored in a tank. Because stored water needs to be heated a certain amount to avoid Legionnella bacteria, you should only change settings with professional advice if you have one of these.
However, if you have a combi boiler, you’ve made sure it’s safe and you’ve checked your boiler’s technical manual, you can adjust these settings yourself.
This setting is accessible to anyone and it can be changed using your boiler controls. The flow temperature for heating is generally symbolised by a little picture of a radiator, and for hot water, a picture of a tap. Up and down arrows will change the temperature settings.
It recommends a 55°C setting, but we suggest starting a bit higher initially to see if you’re comfortable with the change.
3. Insulate your boiler’s hot water cylinder and pipes
if you have a boiler with a hot water tank, the advice above doesn’t apply. That’s because boilers that store water in a tank usually can’t manage the efficiency gains of combis as they’re not well suited to running low flow temperatures without modification.
You shouldn’t change the flow temperature of a regular or system boiler with a hot water cylinder without consulting an engineer, because your boiler must be able to pasteurise stored water effectively to avoid bacteria such as Legionella developing.
However, that doesn’t mean there’s nothing you can do to improve your boiler’s efficiency. You’ll be using a lot of energy to heat up the water in your storage cylinder, and you don’t want to lose out on any of that. So make sure the cylinder itself is well insulated. This can be as easy as buying a jacket for about £20. It should be no less than 75mm thick according to industry standards.
You can also lag the pipes that carry water around your home for around £5 a metre. Water loses a lot of heat in transit, so it’s a small expenditure for a good long-term saving. It’s particularly useful to do it for the pipes coming in and out of the cylinder.
Lagging pipes will also reduce the risk of them freezing in a cold spell, which can be costly to repair.
Smart technology isn’t for everyone, but if you do like using your phone, tablet or voice assistant for managing your home, then a smart thermostat will give you easy and precise control over your central heating.
They’re designed to provide automation to help you use your heating at the best times. Whether it’s toggling your boiler when you’re nearby to benefit from it, learning your routine so it can predict the optimal times to run or even checking the weather forecast to anticipate increases and decreases in heating need, smart home heating is becoming increasingly clever.
While many of these features are designed for your comfort, rather than your wallet, smart thermostats really come into their own when it comes to making savings if you set up zonal heating with compatible radiator valves.This means you can vary the routine and temperature of different rooms so you’re not wasting energy by heating rooms at the wrong times.
For example, you might want to programme your kitchen to get a burst of heating in the morning before you put the kettle on and your living room to be warmest in the early evening, while you’re happy for your bedroom to stay cold all day until you’re about to go to bed. All of these adjustments mean you’re saving crucial kilowatts by never heating a room you’re not actually using.
Since the introduction of new legislation in 2018, new gas boilers need to come with one of four energy-saving add-ons. Smart heating controls are one of them. But if you have an older boiler you can still buy and install a smart thermostat separately.
If smart tech isn’t for you, you can still make significant improvements by installing manually operated thermostatic radiator valves, or TRVs. They control the heat of your home by adjusting how much hot water flows through the radiator they’re fitted to, so you can make sure each room of your house is only ever as warm as you need it to be.
It works by sensing the room temperature and opening or closing the valve as appropriate.
The numbers on TRVs determine how much a radiator is allowed to heat up. They correspond more to a level of comfort than a specific temperature, but as a rough guide the following applies:
0
Off
* (the maintenance setting)
The radiator will turn on as a protective measure when the temperature nears 0°C.
1
Approximately 12°C, a low room temperature for an unoccupied room
2
Approximately 16°C, a lukewarm heat for an occupied room.
3
Approximately 20°C, a comfortable heat for an occupied room.
4
Approximately 24°C, a warm heat for an occupied room.
5
The valve is fully open.
Use trial and error. We recommend using settings two and three to try and cut heating use, knowing that you can go higher if you’re feeling chilly.
If you’ve also turned down your boiler’s central heating flow temperature, you might find you need to open your TRVs to higher settings to reach comfortable temperatures.
Smart radiator valves can work with smart thermostats to do this automatically. Some of them also take temperature readings to fine-tune your thermostatic system.
6. Turn your thermostat down a little
It’s age-old advice, and for people who are already frugal with their heating it may not apply. But each degree you turn your thermostat down is energy saved. According to the NHS, temperatures as low as 18°C are healthy for most people.
The Energy Saving Trust claims that turning your thermostat down by one degree can save you up to 10% off your heating bill. Realistically, a lot of variables affect this, but even one degree lower will move your bills in the right trajectory.
For older people, Age UK reminds that very low temperatures can increase your risk of flu or other breathing problems, and can raise your blood pressure. When you’re older, your blood pressure takes longer to return to normal once you get cold. Try to make sure you’re keeping at least one room at a comfortable temperature for you, and keep the doors closed as much as you can to keep that room as warm as possible.
7. Only use electric heaters sparingly
We’re often asked whether people should turn off their heating completely and replace it with electric heaters. Unfortunately, it’s unlikely to be cost effective over long periods of time.
Portable electric heaters use electricity to warm the air by convection, either with an exposed heating element, or with a radiator design that transfers heat from the element through a system of fins.
They are great at providing a quick heating fix for a short period of time, such as for a 10-minute blast on a particularly freezing morning. And if your central heating system isn’t working, they’re reliable back-ups.
It’ll take a portable heater between 15 – 30 minutes to raise the temperature of a medium-sized room by 10ºC at full blast. After that it will toggle on and off as needed to maintain temperature, based on its thermostat.
Remember that you pay for energy by the unit. With the current price cap, electricity is much more expensive than gas. So be prudent when you use your electric heater in place of gas.
They usually have rated outputs of 2 or 3kW – that’s how many they’d get through in an hour on full blast. For reference, that’s about the same amount of energy as a kettle. Heaters do generally have settings that let them run at lower outputs too.
If you’re on a standard variable tariff, the average unit price for dual fuel customers is 34p per/kWh for electricity and 10.3p per/kWh for gas. That means that a 2kW portable heater at its full output would use 34p of electricity every half an hour.
If you’re short on cash, there are things you can do right now to plug in gaps in your home and hold onto your heat.
You can draught proof any gaps in your home, whether that’s keyholes, postboxes, door cracks, cavities near doors and windows, or gaps around electrical outlets and pipes. Just remember that homes do need some ventilation, so make sure you leave any purpose-built vents clear, such as window trickle vents or grills in wodden flooring.
Draught-proofing may involve putting down tape or a draught excluder where there’s a draft. Even something basic like a door snake is a help in the war against heat loss. Many of these solutions cost less than a tenner, or can be homemade.
Other tools include:
Adhesive weatherproof tape made of PVC or foam to go around doors and windows.
Threshold seals to go on either side of doors.
Letterbox excluders with brush pile material.
Thermoplastic rubber (TPR) to fit flexibly into door and window cavities.
Pillows designed to fit inside an open chimney to block off draughts when it’s not in use.
One visit to a DIY shop can provide you with several small solutions that don’t break the bank and can be installed yourself.
While individual draught-proofing measures are unlikely to save huge sums from your energy bills in isolation, collectively they will make your home feel more pleasant and cosy to be in. You might even find you can comfortably turn your thermostat down a degree.
In the long run, the key way to keep energy bills low is to trap as much as possible of the heat we generate inside our homes.
If you have the money to do it, insulation is a very good long-term investment. As energy bills go up, the time it takes to see a return on your investment becomes shorter. The Energy Saving Trust estimates that having a professional install loft insulation in a typical semi-detached home would cost around £480 in October 2022, but once it’s done you’d save £355 a year on your energy bills. So in less than 18 months you’d be making a saving.
Professional installation in a detached home would cost more – around £630 – but the savings are as much as £590 a year. And you’ll be saving around 1,000kg CO2 emissions from being released.
So it’s a win-win: you’ll waste less energy and be able to run central heating more cheaply – and break even relatively quickly.
Plus, you’ll be ready for whatever comes next. The central heating options of the future will operate more cheaply if homes can retain heat. Technology like heat pumps are able to operate efficiently because they’re designed for well insulated properties.
Floor insulation usually comes next, and it can reportedly reduce heat loss by 15%.
Cavity wall insulation is useful for properties built in the last century. It’s injected into the gap between your outer and inner walls.
Solid wall insulation can be placed within or outside a wall that’s not eligible for cavity wall insulation. It’s very expensive to install, so a longer term investment.
The energy efficiency of your home or of the home you’re renting is quantified by an EPC certificate. Find out how to get assessed and what the ratings mean here.
10. Update windows with double glazing or alternatives
Windows are a source of heat loss in any home. But if you have single glazing, you’ll notice you need much more energy to heat your home sufficiently. Double or even triple-glazing windows will reduce your heating needs dramatically.
Installing A-rated double glazing could save between £95 and £115 a year on the heating bill of a typical home. However, it doesn’t come cheaply.
We ask Which? members to rate the double glazing companies they’ve actually used.
If you need a quick fix and don’t have the money to spend, window foam seal, foam sealant or metallic brush strips can all help.
We’ve tested secondary glazing film in the past, like clingfilm for your windows, but we thought it wasn’t very resilient. It also needed re-stretching with a hair dryer periodically.
Thick curtains across windows can make a big difference too. Drawing them creates a barrier between your room and the elements and keeps your heat inside.
11. Explore home grants
If you’re replacing your heating system, the government’s Boiler Upgrade Scheme helps you to decarbonise with a heat pump if your home has no outstanding insulation recommendations.
With the latest price cap, a heat pump needs to run at an efficiency of 280% to have parity with a gas boiler’s running costs. Heat pumps can run at 300-400% efficiency, so they can prove cheaper to run.
Other grants can help if you’re in a vulnerable situation, such as:
Cold weather payment to top-up your energy bills during cold snaps.
Winter fuel payment to help people born before September 1955 pay their energy bills.
Fuel Direct lets you deduct essential bills directly from income support, Universal Credit and other assistance available to you. The amount is decided by Jobcentre Plus or your pension centre.
The government’s 2022 Energy Price Guarantee and Energy Bill Support Scheme will both provide households in the UK with a bit of extra help this winter.
Families and friends have a crucial role to play in ensuring Scotland’s social security payments reach those who need them most.
On a visit to a Citizens Advice Bureau, as part of Challenge Poverty Week, Social Security Minister Ben Macpherson said talking about benefits would help drive take-up and reduce stigma about accessing benefits. The Scottish Government urges people to make sure they get the benefits they are entitled to.
These payments provide support to people on low incomes, people with disabilities, carers, and young people entering the workplace.
During the visit to the Citizens Advice Bureau in Muirhouse, Mr Macpherson met staff and volunteers who provide information and advice about available financial assistance and wider support.
Minister for Social Security Ben Macpherson said: “We are urging as many people as possible to talk to family, friends and other people they know to encourage them to apply for benefits they may be entitled to. We want people to get any support that they are eligible for.
“We know that word of mouth helps to raise awareness of Social Security Scotland’s payments, and those provided by the UK Government which may be needed to access Scottish benefits. We also want anyone who thinks they might be eligible for payments to check what’s available to them.
“While several of our payments are designed for people on low incomes there are also others which provide support to disabled people, young people starting their careers after a period of unemployment, and carers including young carers.
“Social security is a shared investment in people and supports building a fairer, more equal society. The current cost of living crisis shows that any of us could need this support at some point in our lives. That is why it is right that we invest in social security together.
“The Scottish Government is grateful for the impactful role that Citizens Advice advisers play in promoting and supporting access to social security.”
The Scottish Government’s new website provides information on the wide range of advice and financial support available.
Citizens Advice Edinburgh Chief Executive Benjamin Napier said: “The Citizens Advice network in Scotland encourages everyone to check that they are receiving the income they are entitled to.
“Every year, millions of pounds of welfare entitlement go unclaimed. At a time of increasing costs and pressures on household budgets, we strongly encourage people to get in touch with their local Citizens Advice Bureau or use our online tools like www.moneymap.scot to see if they could be receiving more money.
“Last year the CAB network across Scotland helped over 174,000 people and 2.4 million people checked our online advice pages.
“Advice from CABs is free, impartial and confidential. We never charge people for advice and are for everyone regardless of background or circumstance. Social Security Scotland have 12 new benefits and we want to make sure everyone knows their rights of access them.”
#ChallengePovertyWeek
GRANTON Information Centre remains committed to tackling the injustice of poverty in Edinburgh. We do this by:
* Ensure that our service users are getting all the financial assistance they are entitled to by carrying out ‘benefit checks’ and ‘income maximisation’ appointments
* Assisting our clients to make benefits claims and apply for grants on their behalf
* Assisting our service users to challenge decisions if their benefit has been stopped/ sanctioned/ reduced/ refused or overpaid
* Discuss various options with our clients who are struggling to cope with debt, including liaising with lenders and arranging bankruptcies
* Organising food and clothing bank referrals.
We are here to help! Contact us: appointments@gic.org.uk / 0131 551 2459 / 0131 552 0458
