In last month's column we looked at how to cut your costs by changing your gas and electricity supplier.
You can also save money by changing how you pay.
Direct debit is usually the cheapest method and a prepayment meter the most expensive.
Many suppliers have special tariffs and reward schemes.
Just by changing from paying quarterly by cash or cheque to direct debit with an online tariff, you can get a discount of around 15 per cent – all without having to change supplier.
But what if you are struggling to pay your bills? Tell your supplier as soon as possible.
If you don't, they may take steps to cut off your supply.
Energy suppliers employ people who are used to dealing with financial problems.
They will be able to advise you about different options.
You can also get advice from Consumer Direct.
Visit www.consumerfocus.org.uk for a list of other organisations who can help, or call 0845 404 0506.
Once your supplier knows you are having payment difficulties:
they must give you the option of paying by regular instalments based on what you can afford to pay
they should offer you a 'pay as you go' repayment meter which collects the money you owe alongside your ongoing usage
if you are on certain benefits, you may be eligible for Fuel Direct.
This means payments can be made direct from your benefits Suppliers should only cut off your supply as a very last resort, and they must give you notice of this.
So the sooner you speak to your supplier and get advice the better.
