For example rather than turning the heat down, buying a solar hot water heater let’s you save money, take long hot showers, and be toasty in the winter while also being more environmentally friendly. Carbon credits are poor policy vs carbon taxes for a host of reasons. However, if you really want to feel better about your personal choices effective leverage is available. At the same time a huge number of what amounts to scams are also out there.
PS: Of course lowering consumption has other environmental benefits