In Conversation with Shujia Begum, Energy Efficiency Advisor
With household energy costs continuing to put pressure on family finances, what can people realistically do to keep their homes warm without sending their bills soaring? Energy bills in the UK are expected to increase from October 2026. Ofgem has confirmed that the energy price cap will rise by around 3.6%, from £1,663 to £1,723 for this quarter, for a typical household paying monthly by Direct Debit. This represents an increase of about £60 a year, although the actual amount a household pays will depend on how much energy it uses.
What is fuel poverty, and who is most at risk?
Fuel poverty is closely linked to household income and the cost of heating and powering a home. Low-income households, older people, families with young children, people with disabilities and those living in poorly insulated properties are particularly vulnerable. Depending on your circumstances, you may be eligible for government benefits or energy-related support. In the UK, schemes and eligibility can change, so it is worth checking current support through official government and local authority services. Some energy suppliers offer hardship funds and assistance schemes. Hardship funds from the suppliers are limited. Those on Pension Credit are eligible for the Winter Fuel payment, ranging from £100 to £300. Those on low income and with an Energy Performance Certificate (EPC) below D, will receive a Warm Home Discount of £150, which is paid directly to the supplier.
What simple changes can cut energy use?
It’s often the small habits that add up. Turn appliances off rather than leaving them on standby, switch off unused lights, wash clothes at lower temperatures and only boil the water you need in the kettle. Closing curtains helps retain heat, while reducing heating and hot-water temperatures by just one degree can also help.
Can insulation make a difference?
Absolutely. Insulation reduces heat loss and can make a home easier and cheaper to heat. However, renters may not be able to make major improvements. Draught-proofing doors and windows and using thermal curtains are simple alternatives.
What if bills are already unaffordable?
Don’t wait until the situation becomes unmanageable. Speak to your energy supplier and seek independent debt advice. Support schemes and supplier hardship funds exist, but funding is limited and eligibility can be strict. StepChange Debt Charity. Free Expert Debt Help & Advice
Does switching supplier solve fuel poverty?
Not by itself. A fixed tariff can provide greater price certainty, but it does not fix the underlying problem: households still pay for the energy they use.
The key message? Understanding your bills, monitoring energy use and changing everyday habits is as important as finding a cheaper tariff.