Skip to content
Man and woman looking through forms and paperwork at the dining room table

Saving money on utility bills

Discover simple ways to save money on your gas, electricity and water – and see how we can help you manage your bills.

Gas and electricity

There are a number of ways you can control your energy costs, and a variety of schemes to help you.

Remember, gas and electricity are priority bills – if you don’t pay them, you run the risk of your gas or electricity being cut off by your supplier. Find out more about priority bills and debts in our free debt guidance.

How we can help

If you’re struggling to pay your bills, or want guidance on utility costs, please contact our Guideline team.

Contact us

Government energy and heating discounts

The government offers a range of schemes to help with your energy bills.

Warm home discount

This is a credit of up to £140 added to your electricity account if you get pension credit, or have a low income.

Find out about the warm home discount on the government website

Winter fuel payment

This helps older people with their heating bills and can be worth up to £300.

Find out about the winter fuel payment on the government website

Cold weather payment

This is for eligible claimants during periods of cold winter weather.

Find out about the cold weather payment on the government website

Switching gas or electricity suppliers

You can often save money by comparing gas and electricity offers and then switching suppliers.

  • Fixed-price deals – these are often cheaper than variable deals.
  • Dual-fuel deals – combining your gas and electricity can be cheaper.
  • Direct debit – you may get a discount if you pay by direct debit. 

Always check the length of any deal and see if there are any charges for ending the deal early.

Compare prices on the Citizens Advice energy comparison website

How we can help

If you’re struggling to pay your bills, or want guidance on utility costs, please contact our Guideline team.

Contact us

Water bills

Your water use will contribute significantly to energy costs. If you have gas heating, around 15% of your heating bill (£80 a year) will be spent on heating water.

Get a water meter

Getting a water meter fitted is free. Water meters measure how much water you use, so you only pay for what you use. Your water company can advise you if a water meter is right for your home.

Get support from your water supplier

Water companies offer help for customers with specific needs, including cheaper rates if you’re on a low income, or getting priority water if mains supplies are disrupted.

If you already have a water meter and use a lot of water because of a medical condition, or because you have three or more children, you can ask your water company to join a WaterSure scheme. This caps your bills, regardless of how much water you use.

How we can help

If you’re struggling to pay your bills, or want guidance on utility costs, please contact our Guideline team.

Contact us

Managing day-to-day energy costs

Support for vulnerable residents

Priority services registers

Your utility supplier can add you to a confidential register for vulnerable people. This means you can get additional help, especially in an emergency. This might include having meter readings taken on your behalf, ensuring prepayment meters are easy to access, and receiving priority help in a power cut.

Living with cancer and paying bills

If someone in your home is living with cancer, you can get advice on accessing energy schemes and financial grants from Macmillan Cancer Support.

Find out more on the Macmillan Cancer Support website

Tools for managing your money

Benefits calculator

Find out which benefits you can claim with our simple, online benefits calculator.

You’ll also be able to find out how much better off you’ll be in work.

It’s free to use, takes just a few minutes and is completely anonymous.

Benefits calculator


Budget planner

See how a budget plan can help you stay in control of your money.

The independent Money Advice Service has a really useful online budget planner. It can help you see what you can afford and how you might be able to save money.

It’s simple to complete and anyone can use it.

Go to Money Advice Service

If you want any help using the budget planner or our benefits calculator – or any other financial guidance – please contact our Clarion Futures Money Guidance team.

Contact us