Ordinary Ledger: €2.041 at the pump, 24.21 cents on the wire, and a noon rule

The Ordinary Ledger takes the week’s big numbers and turns them into lines on a household budget. This week the big number was oil’s 13% fall. Here is what of it reached the ledger.

The pump. ADAC’s survey on Wednesday found Super E10 at €2.041 a litre, down 4.3 cents on the week, and diesel at €2.260, down 2.9 cents¹. Diesel still costs almost 22 cents a litre more than E10¹. ADAC said further cuts should be possible given the fall in crude, and noted that E10 briefly dipped below €2 nationally just before the daily price rise at noon¹.

Desk arithmetic: a 50-litre tank of E10 at €2.041 costs €102.05; at the previous week’s price, 4.3 cents higher, it cost €104.20. That is €2.15 saved per tank. For diesel at €2.260, a 50-litre fill costs €113.00, €1.45 less than a week earlier.

The noon rule. ADAC’s practical advice has not changed, and it is the cheapest thing in this ledger: fill up shortly before 12:00, when prices are at their lowest in the daily cycle¹. That is a habit, not a gamble.

The wire. Sunday’s wholesale power price is 24.21 cents per kilowatt-hour on average, with the cheapest hour at 13:00 (21.14 cents) and the dearest at 18:00 (31.71 cents)². A year ago the same day averaged 10.65 cents². Households paid 36.18 cents per kilowatt-hour on average in the first half of 2026 including all taxes, levies and grid fees, on Eurostat figures². If you are on a fixed contract, none of this week’s moves reaches you until your supplier’s next price change; on a dynamic tariff, it reaches you hour by hour².

The tank in the cellar. Heating oil stood at €171.69 per 100 litres in the reading of 2 November². Desk arithmetic: 2,000 litres at that price is €3,433.80. Heating oil follows diesel more than it follows the headlines.

The bottom line. The week’s crash in crude was worth about €2 a tank to a petrol driver and nothing yet to anyone’s electricity bill. That is not unfair; it is the order in which stocks bought at older prices run out. The ledger will show the next step only when it happens.