Millions of Australians are struggling to afford to warm their homes this winter, according to new research by free comparison website, Finder.

The survey found one in eight Australians admit they endure a cold house 'all the time' to avoid a high winter energy bill.

Meanwhile, more than 1 in 4 say they try to avoid using their heater 'as often as they can,' despite low temperatures, just to keep a lid on their energy costs.

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The findings come just a month after Finder's Consumer Sentiment Tracker revealed 29 per cent of Australians named their energy bill as one of their top three most stressful expenses.

Australians reported spending $374 on average on their quarterly energy bill in July 2025 - up 13 per cent from $331 in July 2022.

Finder energy expert Mariam Gabaji said millions of households are shivering through winter and sacrificing their comfort and health just to avoid another crushing energy bill.

"Energy prices have risen sharply, and it's pushing people into impossible decisions - like choosing between heating and putting food on the table," she said.

"Going cold all winter isn't just uncomfortable - it can be dangerous, especially for elderly Australians and young children," she added.

Gabaji said that for some households the stress of high energy bills can have a ripple effect with some having to go into debt to keep the lights on.

Interestingly, one in five Australians indicated it is not cold enough where they live to have to worry about heating their homes.

However, for the rest of us, there are some simple steps you can take to save on your energy costs, by maximising heating efficiency, minimising heat loss and shopping around for a better energy plan.

To maximise heating efficiency, spend time adjusting or programming thermostat settings, if you have one.

Between 18 and 20 degrees is typically ideal, while programming your heating, so that it automatically adjusts temperatures to suit your requirements, will save you even more.

Using ceramic heaters to spot heat smaller rooms, and closing doors to areas you are not using, can also save you money, as well as using electric blankets or hot water bottles overnight.

For reducing heat loss, close curtains and blinds before sunset to trap heat inside and open them during sunny days to utilise solar heat.

You can also strategically place rugs to help insulate floors and prevent cold air from seeping in and seal gaps around windows and doors.

Gabaji says there are also rebates available for those wishing to upgrade household appliances to more energy-efficient options.