Each week the NZ Herald and Newstalk ZB's Cooking The Books podcast tackles a different money problem. Today, it's how to stay on top of the power bill in winter. Hosted by Frances Cook.
Listen to "Cooking the Books: How to stay warm this winter without going broke" on Spreaker.
You know it's cold when everyone suddenly becomes a fan of cuddles.
The cats, the dogs, the children. They all pile together in a big heap of body warmth and all you want to do is join them.
Even my snobby cats have been trying to dig their way under the covers each morning.