Make sure your hot-water tank is dressed correctly. A British Standard lagging jacket costs £10 and the insulation for the pipe leading to the hot-water tank from the boiler costs £3 a metre. The yearly saving on your bill: £15–20.

TIPS FOR A GREENER LIFESTYLE 
Get on your bike! Get a bike and practise at weekends or on quiet roads before using it for work. Don’t forget the helmet and the lock!