One thing that will cost you comparatively little and is often overlooked is moving any savings investments into options which have some form of climate/ethics

One thing that will cost you comparatively little and is often overlooked is moving any savings investments into options which have some form of climate/ethics guidelines (for example investing only in wind, water and solar in the energy sector). A lot of people here on HN often talk about index funds and these quite often invest in large oil companies such as exxon, shell or bp. I don't know the rules outside of my own country for selling and buying investment options but generally if you move a large sum of money from one option to another you need to pay taxes (and you seem to be able to put away some money per month for this so thats why I suggest it). I also think it makes sense if you are the kind of person who wants to help fight climate change that you do not let your savings fight against your personal goals and values.