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• Compare how much electrical appliances cost to use

  on charge PC or desktop computer Phone or tablet charger TV box - for example a Sky or Virgin box TV Oven (no fan) 200 °C preheated Oven (fan) 180 °C preheated Dehumidifier Dishwasher 1 x Eco cycle Extractor

• Buying a more energy efficient appliance

  kWh / 100 Example C-rated washing machine 68 kWh / 100 Example E-rated washing machine 90 kWh / 100 Cost of appliance Example A-rated washing machine 51 kWh / 100 £379 Example C-rated washing machine

• Applying for an administration order

  arrears, it is advisable to ask for these to be left out of the AO. Check how to deal with mortgage and rent arrears on an administration order. Part C of the application form You should complete part C

• How to apply for an IVA

  A (£6,000) Creditor B (£70,000) Creditor C (£20,000) Creditor D (£4,000) Creditor D doesn't vote and Creditor C doesn't agree to an IVA. Creditors A and B do agree to the IVA and, because

• Writing off some of your debt if you apply for an administration order

  in Part C of your application form at a review of the administration order. A review can be asked for by you, the court or your creditors. It usually happens if you're struggling to make your

• Fill in the work capability form: how your conditions affect you

  discomfort or exhaustion. Points 15 Descriptors (b) Cannot unaided by another person mount or descend two steps even with the support of a handrail. Points 9 Descriptors (c) Cannot unaided by another

• Save money heating your home

  you’ve set. You’ll usually find that a temperature between 18°C and 21°C is comfortable. Try setting your thermostat 1 degree lower to see if you still find the temperature comfortable. Every degree

• Q6 - communicating (speaking, writing and typing)

  of a hazard. Points 15 Descriptors (b) Has significant difficulty conveying a simple message to strangers. Points 15 Descriptors (c) Has some difficulty conveying a simple message to strangers. Points

• Q13 - starting and finishing tasks

  or complete at least 2 sequential personal actions for the majority of the time. Points 9 Descriptors (c) Frequently cannot, due to impaired mental function, reliably initiate or complete at least 2

• Q12 - awareness of hazards or danger

  to self or others; or (ii) damage to property or possessions such that the claimant frequently requires supervision to maintain safety. Points 9 Descriptors (c) Reduced awareness of everyday hazards leads