Black Friday 2026 UK is on 27 November. What retailers have confirmed, how to spot a fake deal and what is worth waiting for.
Last updated: 18 October 2026. I checked every date and rule in this Warm Home Discount guide against GOV.UK on 18 October 2026.
By Stiv · Design, technology and personal finance
Affiliate disclosure: This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don't choose what I feature or what I say about them.
This is not financial advice. The Warm Home Discount is a government scheme, so your electricity supplier and GOV.UK decide whether you qualify. Check your own case with them.
My Octopus Energy page has the current £50 referral credit and the steps to claim it.
See the Octopus referral offer
£150 off your electricity bill, if you are on the right benefit
The Warm Home Discount is a one-off £150 taken off your electricity bill this winter. Your supplier applies it, so the money never lands in your bank account. In England and Wales it usually arrives automatically. You qualify if you or your partner got Universal Credit, Housing Benefit, income-related Employment and Support Allowance or Pension Credit on 23 August 2026. In Scotland, however, some people have to apply to their supplier instead.
Read moreAugust 31, 2026Comments are off for this post.
Last updated: 13 October 2026
By Stiv · Design, technology and personal finance
Ofgem says fix. I checked the sums.
Ofgem reckons you can beat the October cap by £100 or more, so the obvious question is whether to fix your energy tariff before it lands on 1 October. So I ran the only supplier prices you can check without handing over a postcode against Ofgem’s own regional cap tables. On 30 August, Octopus’s twelve month fix beat the cap in every region of Britain, by £47 to £82. The version on sale since 11 September costs more than the cap in every region, by £75 to £117.
Update, 17 September 2026. Octopus withdrew the 12M Fixed tariff I first tested on 5 September. I have re-run the test on its replacement, on sale since 11 September, and the table and chart below now show those prices. The 12-month fix costs £75 to £117 a year more than the October cap in every region, £93 on average. Octopus 18M Fixed lands between £7 below and £33 above it. The Bank of England held its base rate at 3.75% on 17 September. That decision does not set energy prices, but the rising energy costs behind it are the same ones pushing fixed tariffs up. More on that on my Bank of England base rate page.
This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don't choose what I feature or what I say about them.
This is not financial advice, and CoolCuration is not FCA authorised. Tariffs, rates and offers change constantly, so always check the supplier’s own site before you commit.
My Octopus Energy page keeps the current switching credit and the sign-up steps up to date, so you are never working from a stale offer.
See the Octopus referral offer
Read moreAugust 27, 2026Comments are off for this post.
Last updated: 17 September 2026
By Stiv · Design, technology and personal finance
Up £60 a year, and two right answers
Ofgem confirmed the energy price cap October 2026 on Wednesday morning. A typical direct debit household paying for gas and electricity moves from £1,663 to £1,723 a year. That is £60 more, or roughly £5 a month. Meanwhile you will also see £1,935 quoted elsewhere, plus a 4% figure sitting awkwardly next to a 3.6% one. None of those numbers are wrong, and the reasons come down to VAT and a change in how Ofgem measures a typical home.
This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don't choose what I feature or what I say about them.
This is not financial advice. Cap rates, tariffs and offers change often. So always check the current terms on the supplier’s own site first.
My Octopus Energy page keeps the current referral credit and the switching steps up to date. That way you are not working from a stale offer.
See the Octopus referral offer
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