Is there any way of cutting down on your utility bills? Our utility bills are HUGE because our house has really poor insulation so is cold in winter and boiling in summer. We live in a very cold part of Australia (we get snow).

Anyhow, we got into a bad habit of having the heating on at night in winter. Only on low but on nonetheless (it regularly gets down to zero here overnight). Anyhow, the ducted heating broke recently and we realised that we really didn't need the heating on overnight. So that should cut our gas bill very considerably.

That probably doesn't apply to you BUT maybe have a think about whether you're using more gas/electricity/water than need be.