So baby, it’s cold outside…
On paper, January looks like the end of winter, the days are getting longer, work is in full swing, all should be good.
The problem is, in the UK at least, the December pay check comes a week early and, for many, the next pay check is the last working day of the month… January’s will come on the 31st, which is a Friday. That means for many there are 42 days the money from December has to last.
Council tax – our land tax – is taken in January, but not in February or March, if you pay monthly. When we were paying the mortgage, we would put the “missed payments” off against the mortgage on those months as it was money we don’t use.
Gas and Electricity or Electricity usage is higher as the days are short and the nights are long and cold. I’m writing this while the peak of today has been -0.3°C (today’s max so far), the minimum has been -3.8°C. What’s amazing is that at -0.3°C, the heat pump doesn’t need to put the electric heater on during the day thanks to some solar heating benefits!
One of the surprising things we’ve seen with the heat pump is the formation of ice infront of the compressor fan. The heat exchanger rips the heat out of the air and exhausts cold air, freezing any moisture in front of that path…

If you sit and consider what’s happening, it’s obvious why this is the case, I just wasn’t expecting it to be so dramatic.
OK, so January is a tough month, money is low, so, just grin and bear it!
There are some great deals out there. We have been enjoying heavy discounts to lighten the mood on things like eating out and make the most of what we have left so far.
In the old days, when cash was king, I’d withdraw the money I was going to spend a month into my wallet and when it was running low, economise. These days, I do the same electronically – spending money in the joint account and savings taken early. If we need to dip into them, we can, but it is a clear decision maker – beware of dipping into overdrafts which can be costly.
Of course, the direct debit for the power means we should be fine for the duration of the month, the excess we pay in the summer is being drawn against – by the time we get to renewal, the balance should be a tenner or so positive and a low payment the next couple of months despite the higher costs. Even with the heat pump, the typical cost a day is between £5 and £13 excluding standing charge, compared to -£15 and -£10 when we’re feeding in during April.
Dry January is a big saver: alcohol is taxed quite heavily, so cutting out this expense is really beneficial to the bottom line.
We’re gently dieting, living off the weight put on over Christmas. It is a strategy that has worked for millenia.
The heating is not set at 21°C 24/7 but varies between 16°C and 19°C. Making use of temperature appreciation and warm clothes, just adding an overcoat to go out is really beneficial. A walk before tea means the house feels warm, as it is compared to outside.
I draw the curtains when it’s dark, providing an extra layer of insulation. Meals cooked in an oven are cooked with roast vegetables – making the most of the heat.
It sounds odd, but going to bed earlier means we don’t light unnecessarily. During the summer, we stay awake much longer, barely lighting the house for more than 2 hours – we don’t carry this to excess in the winter but a bed time of 21:30 to 22:00 means rest away from the telly and phone, using paper or e-paper which is easier on the eyes. Critically, only 6 hours of lighting big rooms and hallways. (I do appreciate lighting is a relatively cheap use of electrical units, LED bulbs being much more efficient but 0W is a saving over 3W for example – staying awake until midnight can mean 4 or 5 lights on at 3W for 8 hours, and that’s excluding the TV!).
Posted: January 26th, 2025 under 42, Driving off the grid.
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