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Money saving changes in the home

When it comes to thinking about ways to save money in the home there are myriad options, whether it's getting cheaper home and car insurance, or putting in all kinds of energy saving measures. These changes generally make a small albeit significant difference to your living costs but what are the long-term changes that can bring you the biggest rewards?

Well it may not be the most thrilling excursion to the shops that you've ever been on, but one thing that can make a world of difference is upgrading your boiler to a new, energy-efficient model. They don't come cheap - prices start at £500 minimum, and can go far beyond when you include the cost of installation but if you live in an older house where you may have an older model making the change could be worth it. However do bear in mind that if you rent, you're not obliged to make these changes, this would be a job for the landlord to handle.

Many old style boilers still have a separate water tank that sits in the airing cupboard, which provides the hot water for your home. These not only take up valuable space but the older they are, the less energy efficient they're likely to be, meaning you're paying over the odds for your hot water. Why not look into swapping it for a more modern, energy-saving one? The most popular of these (accounting for over 50%) of new boiler sales are the combi boilers.

Different types are available but essentially these work by getting rid of the need for a water tank, and heating water on demand instead, straight from the mains. So you have the twin advantages of saving space, and being more energy savvy, thus getting more for your money. British Gas does combi boiler installations for a fee - just ring up for a quote.

The other major change you can make to decrease your living costs is to look into insulation. Getting insulated, whether you get cavity-wall insulation, loft insulation or any other kind, can make a significant difference to how much energy you use, and therefore pay for. It will depend on the kind of house you have (for example, some houses built before the 1930s won't have a cavity wall, meaning you'll have to opt for something else) but the short-term costs will certainly be offset by savings in the long run.

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