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@itspt95 Thank you very much. Right now I can see on E-ON that I am in £100 credit. However we have just had the summer months where I didn't the heating etc.

@i7sharp thank you for your feedback. We're not into serious debt - but we often go into our overdraft before pay day. And we don't have much left for savings / holidays.

As a family with two young children, we are experiencing a squeeze on our finances. I'm sure many parents are in a similar situation. Essentially costs are going up everywhere, and wages in our industries (NHS and private health) are not increasing at the same rate. Our costs are mostly rising...