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Savings Start at Home

Whether you’re a homeowner, a student, a private or social renter, or you live with your parents, there are many small savings you can make every day all within the comfort of your own home.  The Progressive team have put together five everyday energy tips and changes that can both save money on your monthly bills and help lower your home’s carbon footprint.

1. Fabric first: draught-proofing your home

Looking ahead to the winter months, DIY draught-proofing is a quick fix to make improvements either to a property’s roof, walls, floors or windows – the fundamental fabrics of our homes.

It’s a sound starting point to help reduce energy usage and save money, with ready-made products available to prevent heat escaping through doorframes, keyholes or even old letterboxes. DIY draught-proofing doesn’t have to be expensive, either, though there are longer-term projects, such as roof and floor insulation, that can bring bills down at a higher up-front cost for installation.

Remember to consult your EPC for specific costs related to your property and potential nooks and crannies for improvement.

2. Capture the sun’s natural heat

Throughout the day, our homes capture heat naturally from sunlight filtering through windows. You can make the most of this natural heat by keeping curtains and/or blinds open in daylight and, come dusk, drawing the blinds to help your home retain the heat a little longer.

If possible, try not to drape curtains over any nearby radiator. Doing so will maximise your home heating any time it’s switched on.

3. Fewer (and fuller) loads

Washing a full load at 30°C can save around £28 per year, according to uSwitch. A short, practical cycle in the washing machine helps save on both water and energy, keeping costs down as well as the number of loads.

This applies to the kettle, too. Making coffee for one? Another tip would be to only boil as much as you need, helping to conserve both energy & electricity usage.

4. Keep an eye on the tech

Leaving devices on standby can cost the average UK home £35 per year, according to the Energy Savings Trust.

Switching the power off at the wall wherever possible is always the best course of action. A small change that can quickly become part of you and your family’s everyday routine.

Older appliances are also more power-hungry and likely to run up bills. If you’re able to do so, investing in an energy-efficient machine – be it a computer, laptop or TV – can save on your energy usage long term.

5. Be smart on lighting

Ensure you’re getting your money’s worth next time you flick on the ‘big light’.  Energy-efficient lightbulbs are a small change with long-term benefits; not only do they use a quarter of the energy of incandescent bulbs, LEDs can also last up to 25 times longer.

Exterior or security lights can also be set on a timer, to ensure they’re only switched on when needed.

By employing everyday swaps and changes, we can begin to see long-term changes and any money saved can then go a long way towards that rainy-day fund or other daily or milestone event on the calendar, taking small steps on the journey towards financial health and wellbeing.

At Progressive, we have a range of savings accounts available for you and your family’s bespoke needs:

Progressive Building Society Savings Account

Instant Access

‘Does what it says on the tin’… Instant access accounts are a good option if you want to save but also want to have quick access to your money when needed. Instant access accounts are suitable for savers who want to be able to withdraw their funds as often as required. These accounts often have a variable interest rate that is paid yearly.


Bonds are suitable for savers who do not need access to their savings and can invest a lump sum of money for a fixed period of time at a guaranteed or variable interest rate. Progressive offer Bonds with fixed rates of one to five years. Bonds can often offer higher interest rates, but they do not afford the flexibility of withdrawing from them that an Instant Access account does.

Cash ISA

Save without having to pay tax on the interest. Individual Savings Accounts (ISAs) provide options to encourage you to save without having to pay tax on the interest you earn. They too offer instant access to your money without affecting your ISA allowance.

Regular Savers

These accounts are suitable for savers who wish to invest on a monthly basis. Often, Regular savings accounts offer limited access, but this is not as restricted as a Bond.

Children's Saving Account

It’s good to get into the savings habit early, so with this in mind, you might want to open a children’s account for your kids. Like adult accounts, there are a range of options to choose from, but children’s accounts are usually managed by a parent, guardian or grandparent, rather than the child themselves.

From savings in the home to wider lifestyle swaps, Consumer Council have put together a resource bank of tips for everyday savings.

Speak to our team today

We’d love to talk you through the mortgage process and help you find a suitable product. For more information or to apply for an account, you can call us, email us, pop into one of our 11 branches. We look forward to hearing from you.

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