House insulation
The plans are part of a new drive by the Government to insulate six million homes by 2011. The Prime Minister said that people who don't have insulation already could save up to £300 a year if they take up the option.
However, Gordon Brown confused the issue by saying "all pensioner households will be eligible for free loft and cavity-wall insulation". Environment Secretary Hilary Benn compounded the error when he said: "For pensioners… the loft and cavity-wall insulation is available free." Later, officials admitted that the scheme excludes millions of people over pension age but under 70 who do not receive a qualifying benefit.
The deals are in theory available now. But there are long delays in some areas and only a limited number of people will be able to get their homes insulated before this winter bites.
Call the Energy Saving Trust on 0800 512 012 to find out what is available in your area.
If you are over pension age and on a low income you should also ask your energy supplier if you qualify for a discount on your bill. And anyone can save £100 or more by using direct debit to pay for their fuel.
The Government will also raise the cold weather payment from £8 to £25 a week this winter. It is paid to anyone on pension credit each time the temperature averages zero or below for seven consecutive days. This is separate from the winter fuel payment, which is paid to everyone over 60.
* Written by Paul Lewis, this article first appeared in the November 2008 edition of Saga Magazine. Paul is the editor of Saga Magazine's Money News section, a regular financial expert on BBC Breakfast and the presenter of BBC Radio 4's Moneybox. Paul's opinions are his own and for general information only. Always seek independent financial advice.