Whether it’s for savings, a current account, pension or fund, the financial institutions who hold onto your money are investing it on your behalf. And in many cases, financial institutions still invest heavily in carbon-polluting industries - meaning that your money might be indirectly supporting them. The numbers are hard to calculate so we currently don’t assign a number to this step - although experts like Move Your Money suggest it can amount to 27 times the effect of other major steps like giving up flying.

Greening your money can have other benefits, too. Evidence shows that sustainable, resilient, well-run companies are more likely to perform better in the long run. Many financial institutions are offering more choices in ethical investments, allowing you to use your money to support causes you believe in and avoid those you don’t.