We use heating oil for C/H and hot water as there is no main gas where we are. By extensive insulation (and I mean extensive, including IWI) we have reduced our annual oil consumption from 3000 litres to 1500 litres. Current price of heating oil is around 90p per litre and no means of paying monthly by D/D - it all has to be paid for upfront! Pretty scary stuff. Thankfully we filled up well before the Ukraine invasion so we have enough to last until probably Nov/Dec.