Electricity is £10 a month and I'm in credit earning 3% interest in the balance. Heating oil is 500 every 18 months but depends a lot on weather. Virtually no

Electricity is £10 a month and I'm in credit earning 3% interest in the balance. Heating oil is 500 every 18 months but depends a lot on weather. Virtually nothing on petrol as I rarely use the car these days.