Make sure you’re clued up to the latest deals and check out our advice on how to save on your energy usage this winter, while keeping warm, healthy and happy.

Did you know we typically use more than twice as much gas and electric during the winter months compared to summer? You might be on a set monthly tariff paying the same regular installments but these are the weeks that really determine how much you’ll actually fork out over the full year, so keep a watchful eye on that on switch!

First things first. Make sure you scan one of the price comparison sites like Moneysupermarket or Uswitch for the latest energy deals. You can also set up alerts so that when new, cheaper deals come on the market you get an email to tell you it’s time to switch again. Be careful of any exit penalties as you move provider though.

Paying in advance and by direct debit will generally get you a better price. And managing your account online so there are no paper statements could save you a few pence too.

Check your gas and electric meters regularly and submit your readings at the start or end of every month via your online account to make sure your bill is accurate and you’re not over-paying. The price of each unit of gas or electric can vary quite a bit, but as a rule of thumb, and at time of writing, a kwh of electricity costs around 12p and a kwh of gas is around 3p.

If you’re struggling to pay any bills, don’t suffer in silence. It’ll gnaw away at you, filling you with anxiety and mounting up your debt – and you’ll end up having your services cut off. Get in touch with your provider, whether it’s gas, electric, landlord, insurance or mobile phone – as soon as you can. They may be able to work out a sensible repayment plan for you.

If you need some extra financial help to see you through the winter months, don’t jump at the first overdraft facility or credit card offer you see. Some have really high-interest rates or extortionate charges if you’re unable to pay back the money quickly. We might be able to help you out. We offer loans from £2,000 with repayment periods up to 10 years after graduation.