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I'm with Octopus, and I have no idea what to do either.

Finding it hard to get my head around it all.

They seem to have a 15 month fix with no exit fees, however I'm not sure if I exited whether I could just revert to whatever I'm on at the moment, or whether I might find that whatever that is might no longer be an available option.

I tend to just heat whatever room I'm in and/or use a heated throw.

And use the microwave where possible unless I've got an oven full of stuff which I can then freeze most of.

Edited by Sue

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