First, make sure you’re aware of any benefits you might be entitled to. Head over to gov.uk and use the Pension Credit Calculator. This official tool helps you check your eligibility for pension credit and other benefits that could ease your financial burden.

David also shared practical advice for homeowners: now is the best time to insulate your home. Installing door and window insulation while the weather is warm can save you the hassle of doing it in the cold months. Simple measures, like using draught excluders (even the classic ones like your grandma’s sausage dog), can help keep your heating costs down by stopping warm air from escaping.

For those looking to reduce their energy bills, David recommends trying U-Switch to compare supplier rates and find the best deal.

At Citrus Financial, we encourage our clients to think ahead and take steps to secure their financial well-being, both in terms of their energy costs and benefits they may be missing.