The heater thing depends, it may take more energy heating the water tank back up to temperature than you saved by switching it off. If you're heater is well insulated this could be the case.
A few more money saving tips - drive a diesel car and persuade a local chip shop to give you their old cooking oil - use in car.
Check every month for good deals on personal loans: these may be better than paying off the credit cards high rates of interest.
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