To save up means to put your money in a bank account or keep it somewhere so that you don't spend it. To dip in means to just go into a savings account and take a bit of money out to dip in. The energy companies in particular seem to be ripping everyone off to rip someone off. For many of us we just have to get by every month on our monthly salaries. So for example if you're a student in London it's very difficult to get by because you're not earning money but spending money.