Household bills for every home across Scotland are due to rise by an average of two per cent above inflation until 2027.
And with inflation predicted to hit six per cent in April, that means the average family bill could rise by a staggering £263.
While the outlook for 2022 is looking a bit bleak - without a bit of intervention to ease the financial squeeze from either the Scottish or UK Government - now may be the time to invest in a loyalty scheme to help give yourself some rewards for benign a frequent flyer at supermarkets or coffee shops.