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1. Housing & Utilities Housing \t•\tConsider a lodger or house share if possible. \t•\tIf renting, check whether you’re eligible for Housing Benefit or Universal Credit. \t•\tNegotiate rent at renewal—many landlords prefer stability over finding new tenants. Energy \t•\tUse price comparison sites (MoneySavingExpert, Compare the Market). \t•\tSubmit regular meter readings or use a smart meter. \t•\tSimple changes: LED bulbs, lower thermostat by 1°C, draught proofing. Water \t•\tSwitch to a water
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