Regarding 'cutting down'......For several years I have read all 'those articles about 'saving money' economies, etc. etc. Problem has always been that I have never found any that I do not already carry out.
ALWAYS only used washing machine with a full load. Discovered many years back that no point in doing separate loads for whites and coloureds etc. All go in together, have used 40 degrees or lower for past several years.
Have not used a kettle for heating water for about five or more years. Up to recently had a counter-top hot water heater, now a 'boiling' tap .Only have used my main oven when cooking multiple items,. Use microwave and - in the past - halogen oven - now compact air fryer. No takeaways, only the very occasional family restaurant meal. Minimal spend on clothes, at my age, the ones that I have do me very well year on year - with just a single item added each season.
Lights always turned off when not in room, Okay, I do keep some things on standby - but that is items that I use often. It is only the matter of pennies per year they cost.
I have long used Supermarkets own brands rather than named ones for most articles that I purchase. No longer run a car, and use bus (free bus pass), Have little, (if any) food waste - menus worked out in advance of shopping. Only use my slim dishwasher when I have visitors for a meal, otherwise wash up in bowl in sink.
Do not go on holidays, never fly anywhere -indeed have not even renewed my passport when it expired last year.
So, really am not sure how I can be more careful. I refuse to live uncomfortably, either when it is cold or very hot, so do use my CH and my fans. Yes, I do have individual rad controls.
I am managing my finances reasonably well. Micawber like, as long as I spend slightly less than I receive in I am more than happy. No investments to concern me, my only income comes from my Pension and Attendance Allowance.
In fact, I have far fewer financial problems now than I did back in the 80's when had the family at home and we were barely existing on disability benefits my husband was getting due to his multiple sclerosis. Then, I did go hungry (children never did), could not put on heating at times, hid when milkmen rang bell to collect his money, etc. etc. Lived in total dread of anything breaking down - would have nightmares when a new noise appeared in home - took me decades to recover from that!! No money for repairs, let alone replacements. New clothes were totally unknown for many years.