Money
Exact date to turn on your heating named by thousands of households but waiting just seven days could save you £84
THOUSANDS of households have named the date they are planning on turning their heating ahead of winter.
But, wait just a few days after this date and you could save yourself almost £100.
A study of 2,000 homeowners with central heating found that three quarters plan on waiting until October 31 to turn their radiators on.
But, you could actually save yourself £84 if you waited just a week longer and turned it on on November 7.
That’s based on a household using a 24kW gas boiler for eight hours a day for seven days straight.
Of course, you could save more or less than this based on your usage, but it shows how delaying by just a week could be well worth it.
The study, carried out by utilita Energy also found that despite not having done so yet, 52% are looking forward to warming up their homes next week.
To help them refrain from switching on their boiler, 60% have been layering up, while 24% have resorted to electric blankets.
But even throughout the coldest months, 57% claim they will only put the heating on ‘for an hour or two’ to minimise costs.
What’s more, 45% plan on using an electric heater as well as their main central heating this winter, with 34% assuming it’s a cheaper option.
And 15% plan to completely replace the gas central heating with a portable electric heater – despite it costing three to four times more per hour, Utilita energy efficiency experts revealed.
A spokesperson for the energy supplier, which commissioned the research, said: “The first time you turn on the heating in winter marks the true arrival of the colder months – filling your home with warmth and comfort.
“We hope this important heating behaviour study will help people to realise the false economy of using a portable electric heater to subsidise or replace gas central heating, and afford budgeting households as much as 75% more heat hours this winter.”
The study also found half of households claim to be confident in working out the cost of an electric heater versus gas central heating.
According to the OnePoll.com data, 59% financially prepare for the rise in energy spend when it reaches the colder months, and the heating needs to come on.
Although 76% admit they will reach for the thermostat at the first sign of feeling uncomfortable or cold and 27% give into requests from other household members.
More than half (54%) will be prompted by a drop in the outside temperature, with it reaching an average of nine degrees Celsius before considering igniting up the boiler.
The living room is typically the room that gets heated up (33%), but 26% choose to turn the heating on throughout the entire house.
The Utilita Energy spokesperson added: “When comparing electric heaters to central heating, it’s important to consider both cost and comfort.
“While electric heaters can offer quick, localised warmth and are ideal for heating individual rooms, central heating provides consistent, zonal heating that’s far better for those on a budget.”
How to save money on your heating
There are countless ways you can save money on your heating bill this winter.
Blocking draughts in your home can easily save you £40 a year, according to the Energy Saving Trust.
Draught excluders typically cost around £20 to £40, but you can also use your own items laying about the house.
You can use radiator foil, which you put behind the appliances to reflect heat back into the room too.
You can get a roll of the handy stuff in Screwfix for just £7.51.
Heat activated fans can be placed on wood burners and even certain types of gas fire to throw heat into the main part of the room too.
You can pick these up from the likes of B&Q for as little as £15.
What energy bill help is available?
There’s a number of different ways to get help paying your energy bills if you’re struggling to get by.
If you fall into debt, you can always approach your supplier to see if they can put you on a repayment plan before putting you on a prepayment meter.
This involves paying off what you owe in instalments over a set period.
If your supplier offers you a repayment plan you don’t think you can afford, speak to them again to see if you can negotiate a better deal.
Several energy firms have grant schemes available to customers struggling to cover their bills.
But eligibility criteria vary depending on the supplier and the amount you can get depends on your financial circumstances.
For example, British Gas or Scottish Gas customers struggling to pay their energy bills can get grants worth up to £2,000.
British Gas also offers help via its British Gas Energy Trust and Individuals Family Fund.
You don’t need to be a British Gas customer to apply for the second fund.
EDF, E.ON, Octopus Energy and Scottish Power all offer grants to struggling customers too.
Thousands of vulnerable households are missing out on extra help and protections by not signing up to the Priority Services Register (PSR).
The service helps support vulnerable households, such as those who are elderly or ill, and some of the perks include being given advance warning of blackouts, free gas safety checks and extra support if you’re struggling.
Get in touch with your energy firm to see if you can apply.
Do you have a money problem that needs sorting? Get in touch by emailing money-sm@news.co.uk.
Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories
Money
All advice firms should have a ‘technology champion’
All advice firms should have a “technology champion”, Mint Wealth Management founder Andy Kirby has claimed.
Speaking at Money Marketing Interactive in Leeds yesterday (24 October), Kirby said that as tech advances, it is vital to have a “dedicated person who is across the subject”.
“With the challenges that most firms now have, many have a Consumer Duty champion, but I also think you need a technology champion within your business,” he said.
“I think that’s a good thing to look at. Somebody who can really get it, understand it, really get behind it and make sure it’s adopted.”
Speaking on the same panel, independent IFA Bradley Booth claimed one of the biggest challenges with technology is advisers not being motivated enough to adopt it.
Booth, from ARK Financial Planning, said: “Ten years ago, it was a massive effort to try and get yourself using the back-office system and logging everything in one place.
“You take it for granted now because it’s so easy to find everything you need.
“We need to take that kind of approach again – say ‘right, we can see the success we’ve had from properly doing technology 10 years ago’ and do it again.
“If we put the effort in again, we’ll get their reward again in five years.”
Martin McKenna, senior consultant at the Financial Technology Research Centre, said: “There’s an awful lot of people out there in the industry who are scared of changing.”
He referenced a survey FTRC conducted recently, which showed that 40% of people were happy to carry on as they are.
He said there was “nothing wrong with that”, but suggested “sometimes you have to break something to make it better, then make it stronger when it’s fixed again”.
“When you’re running a business that makes money and we’re happy, you don’t break it and say things will be better in the longer term,” he added.
“It might hurt the business, maybe even hurt the clients’ support service for little while, but the benefit is very much there in the longer term.”
The panel was asked if they understood why some advisers approaching retirement might be reluctant to put the effort in to invest in technology to get quality data.
Kirby said that “the better data you have, the better value you will get for your business if you want to exit”, as that’s what buyers are increasingly looking for.
Despite acknowledging the benefits of AI and technology, Booth said he “would not be able to sleep comfortably knowing AI has done part of his job for him”.
“I would never have confidence knowing it has not been thoroughly checked first,” he said.
“If I trust AI to deliver something in ten minutes that would take me a couple of hours normally, and then I go and give that advice to clients and three or four years down the line they say, ‘I was badly advised,’ that would massively ruin my relationship with AI.”
McKenna ended by telling the audience that “sometimes you just need to try AI and give it a go”.
“Part of the challenge with AI is getting your own mindsight right. Once you’ve done that you’ll get better results,” he concluded.
Money
Britain’s ‘strictest’ cafe puts up TWENTY ONE hand-written signs banning dogs and unsupervised kids in crackdown
CUSTOMERS have been left gobsmacked by a cafe’s whopping 21 signs instructing them what they cannot do on its premises.
The notices at Hidden Gem Café in Manchester‘s Heaton Park tell punters dogs are not allowed, children must be supervised, and toilets are for customers only.
And if you fancy eating your pack lunch in the cafe – think again.
The owners warn anyone caught consuming food or drink not bought in the coffee shop will be asked to leave.
The staggering number of warnings and notices has driven many to express their frustration on social media.
“Things like this really p*ss me off.
“Like most of these things are just common sense. Makes you think the owners are d*cks and in that case I’d rather take my custom elsewhere,” said one user.
Others were more understanding of the cafe’s strict rules.
One commenter wrote: “All reasonable requests, but it’s extremely funny how many signs there are.”
Journalist Jack Fifield, 26, noticed the signs when he was visiting the garden centre where the cafe is located.
He said he stumbled across the cafe while visiting the beauty spot, just north of Manchester city centre, on his day off.
Like many other customers he found the notices a little overbearing but managed to find the funny side.
He joked: “Anyone know if there’s any rules I have to follow at this cafe?”
He added: “I was shocked to be greeted by a sign telling me I could be asked to leave if I consumed my own food or drink.
“As I approached the cafe to buy myself a slice of cake, I noticed a lot more signs with different rules and regulations.
BITTER PINT Punters call me ‘UK’s strictest landlord’ because I charge them for LEFTOVERS – I don’t have time for idiots
Mark Graham, 62, has owned and run The Star Inn pub in the tiny hamlet of Vogue, Cornwall, for the last 27 years.
He hit back at a customer who tried to shame him online after they were charged an extra £2.40 because they piled their plates high at the £12 all-you-can-eat carvery – but ate barely any.
Verity Farmer, who shared her experience on Facebook, said: “Just been for a Sunday carvery at The Star Inn, Vogue, St Day.
“We paid for our meal at £12 each, and when we got our bill it had got an extra £4.80 added.
“When questioned about it they said it was a charge for not eating all our meal. I’ve never heard anything like that before.”
Her post prompted nearly 400 comments in less than 24 hours, with The Star Inn’s social media page among those replying.
It said: “We just try and make sure there is enough food for everyone.
“I’m sure if you were a customer later on in the day and I had to tell you I had no food left for your booking because it had all been wasted and gone in the bin you would not be very happy and would have made another social media post too.”
Now Mark – a former tin miner who also served in the Royal Navy – has defended the policy, which is outlined in notices inside the eatery.
After buying a slice of cake and a hot chocolate he went to sit down outside.
“Afterwards, I got my water bottle out and I felt like I was breaking the rules when I took sips from it. I was worried I’d get kicked out, but of course I didn’t,” he said.
Despite the seemingly hostile signs, Jack said the staff were “friendly enough”.
“I did see a guy throw his leftover chips on the floor to feed the birds, but there was no sign saying not to do that, so I guess he was within the cafes rules,” he added.
The cafe manager, who goes by Mark, defended the cafe’s strict stance saying the signs were intended to remind customers of basic rules.
“It’s a one ace site, there’s the entrances into the shop. I went to Marks and Spencer this morning and saw more signs than I’ve got up, I don’t get what the issue is.”
“It’s not a picnic area,” he said.
He added: “The signs are things like ‘please keep your dogs on a lead’.
“Just this morning, a guy is running around with with his dog not on a lead and a bloke tripped over and banged his head.
Money
L&G partners with US-firm Taurus to invest $200m in high growth real estate
L&G is set to deliver large scale projects amid increasing demand for quality housing and logistics infrastructure.
The post L&G partners with US-firm Taurus to invest $200m in high growth real estate appeared first on Property Week.
Money
Three directors appointed to The Pensions Regulator board
Three new permanent executive directors have been appointed to the board of The Pensions Regulator (TPR).
The appointments, which will “help deliver TPR’s new regulatory approach”, were approved by pensions minister Emma Reynolds.
The new directors are Nina Blackett, executive director of strategy, policy and analysis, Gaucho Rasmussen, executive director of regulatory compliance and Neil Bull, executive director of market oversight.
They will help accelerate the shift in TPR’s regulatory approach to meet the challenges and opportunities of a changing pensions market.
Blackett has served as both director of digital services and interim director of strategy, policy and analysis since joining TPR in September 2023.
She brings considerable experience in leading digital transformation in finance, healthcare and education to her new role.
Neil Bull has more than 25 years of experience in the commercial pensions sector and brings a deep understanding of the pensions market and risk management to the role.
He previously served as TPR’s head of investment before becoming interim director of market oversight in April 2024.
Gaucho Rasmussen is a regulatory and enforcement leader with extensive experience in organisational change and development.
He joins TPR from Amazon, where he has been advising on regulatory compliance across Europe.
Prior to this, Gaucho held positions as director of enforcement at both Ofcom and the Competition and Markets Authority (CMA).
TPR chief executive Nausicaa Delfas said: “The pensions market is rapidly changing and moving towards fewer, larger schemes, bringing new opportunities and new risks. We are evolving as a regulator to meet these challenges.
“Gaucho, Neil and Nina will each play a critical part in accelerating the shift in our regulatory approach that will help us to protect, enhance and innovate in a changing pensions market, and become a more efficient and effective regulator.”
In February, TPR announced the establishment of three new regulatory functions – regulatory compliance, market oversight and strategy, policy and analysis.
Money
Toob app ‘down’ as thousands report issues with broadband provider and blast ‘useless’ internet
THE Toob app is “down” as thousands report issues with the broadband provider and blast the “useless” internet.
Downdetector received more than 3,500 complaints about the service just before 12.25pm today.
The vast majority – 82 per cent – of those were to do with the internet.
Money
URW forecasts drop in vacancy levels after bankruptcies hit 191 units
URW said 63% of its affected units have either been re-let or are still occupied by the existing tenants with the remainder affecting vacancy levels.
The post URW forecasts drop in vacancy levels after bankruptcies hit 191 units appeared first on Property Week.
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