We catch up once again with Amanda Whiteland-Smith at Citizens Advice. This month we talk about heat network supplies heating and hot water to a group of homes from a central source.

This could be a good thing with energy costs raising again, but it maybe that you are paying for more than you are using.

Also it’s all about setting a sensible budget and shopping carefully for Christmas. Planning ahead could help households avoid taking on too much debt and make the festive season less stressful.