Energy used in homes is responsible for more than a quarter of the UK's carbon emissions, and about 80 per cent of the energy we use is for heating.

This is why turning down your thermostat, having good insulation and more efficient boilers can help tackle climate change, reduce air pollution, cut fuel bills and can add value to your home.

Despite this, it is troubling to think that the majority of pensioners still pay over the odds to their gas suppliers.

Yet with the right information and guidance, there are many ways to lower payments and use the extra money saved for more important things in life.

For example, by saving or investing in products that help to insulate the home, over the long run the money you save on the gas bill will pay back the outlay on keeping your home warmer.

Of course, one question many pensioners will be asking is that of where to find the money needed to carry out those improvements.

More: Cheaper Gas For The Winter continued here