AS WE say goodbye to summer, we need to consider the increased cost of darker nights even before the cold weather comes along with higher fuel bills.

And with climate change at a critical point, according to a recent report from the United Nations, it’s more important than ever to consider ways to cut down our energy use. Read on for some savvy tips to help you protect the environment – and save money.

Are you on the best energy tariff for your needs?

There are loads of comparison sites available online for you to check the different energy prices, so it doesn’t need to take long to do some research.

Invest five minutes using a site like moneysupermarket.com/gas-and-electricity, or the Cheap Energy Club via moneysavingexpert.com, and you could easily see some quick savings.

The Consumer Council has a particularly easy to use and impartial site, at https://tinyurl.com/dv7xxn5c.

It pays to stay on top of your energy bills, so why not set a regular date in your calendar to review the tariffs you’re paying for your utilities?

You might also consider getting a smart meter installed to help you keep an eye on your energy usage, cut costs and cut emissions.

Does switching off and turning down really save money?

The Energy Saving Trust has done a lot of research and found that, yes, you can make significant savings by switching off appliances rather than leaving them on standby – as much as £35 per year.

Think about things like mobile phone chargers, microwaves, TVs and laptops – all of these can be switched off at the plug and cause less damage to the environment.

The same goes for turning down the temperature on your washing machine. If your load is only lightly soiled, try setting the wash to 30 or even 20 degrees.

You’ll save cash in the long run, and cut down emissions caused by running your machine at higher temperatures.

If you’re thinking of replacing big household items like washing machines, dishwashers or fridge freezers, it’s worth waiting and saving up for the highest energy rating appliances that you can afford, as this is better for the environment and more cost-effective in the long run.

Check out sust-it.net for more information on energy efficient products.

Could you try a bit of low-cost DIY to keep the draughts out?

Now is a great time to get your home prepared for the winter weather by draught-proofing windows, doors and skirting boards.

The less you need to rely on radiators to keep the room at the right temperature, the less energy you’ll use.

Also remember that turning down the room thermostat setting by just one degree can make significant savings.

Heat reflective panels behind radiators are an effective way to prevent precious heat from escaping – you can pick up a roll of radiator reflective foil for less than ten pounds from your local DIY shop.

And if you can’t afford double-glazing, there’s a special film you can buy for your windows, attach with double-sided tape and fix with a hairdryer!

For more tips on DIY draught-proofing, see energysavingtrust.org.uk/advice/draught-proofing.

Are you eligible for financial help with energy saving?

There are many different schemes available which you may be able to apply for, depending on your circumstances.

Check if you’re eligible for support on the energysavingtrust.org.uk website (look for the Northern Ireland-specific advice).

If you are a householder and would like further information about the current grants available, contact the Northern Ireland Energy Advice line via email: nienergyadvice@nihe.gov.uk, or by calling 0800 111 4455.

Remember, winter bills are always more expensive than summer bills, so try to budget throughout the year.

Consider setting up a Direct Debit and paying the same amount each month to balance out your bills or set up a savings account to build up a buffer and cover the higher costs in the winter.

We find that these simple measures, which are part of our budgeting help for our CAP Debt clients, are also found to be really helpful for those who attend one of our CAP Money Management Courses.

Jonathan Hayward is the Manager of the West NI Debt Centre operated by the Enniskillen Presbyterian Church in partnership with Christians Against Poverty (CAP), which is a UK charity with more than 580 services across the country delivering free debt counselling, money management and life skills groups to people of all faiths, or none.

All these services are available in Enniskillen. Visit capuk.org to find out more.