Since joining the forum a few months ago, I started really paying attention to my utilities - turning off appliances, air drying clothes, keeping the heating off (admittedly not too hard as it's been a nice summer here though recently got pretty chilly and I'm still resisting!). I logged my gas and electricity supplier yesterday with meter readings and discovered I was £416 in credit. So, I called them and not only are they refunding me £300 [$480] they have given me a better deal of £65 per month for both [$100] plus free boiler cover! I'm amazed at how all the little things add up - thanks to everyone here for showing me the light :)