Saving money shouldn’t mean sitting in the dark in three jumpers eating cold beans out of the tin. Most households can trim their bills noticeably with a bit of admin and a few small habits. Here are ten places to start.
- Check your energy tariff. Compare your current deal against what’s available, and make sure you’re not paying more than you need to. Submit regular meter readings if you don’t have a smart meter, so you’re billed accurately.
- Haggle on broadband and TV. When your contract ends, prices often jump. Ring up, mention a cheaper offer elsewhere, and ask what they can do. Being polite and prepared to leave works wonders.
- Look at a SIM-only mobile deal. If your handset is paid off, you may be paying for a phone you already own. SIM-only deals can be a fraction of the price.
- Audit your subscriptions. Streaming, apps, magazines, the gym you last visited during the previous government. Go through your bank statement and cancel what you don’t use.
- Shop around for insurance every year. Loyalty rarely pays. Compare quotes and use a cashback site for any switch.
- Check your council tax band. Some homes are in the wrong band. You can check yours and similar properties on the GOV.UK website.
- Plan meals and use a list. It’s dull advice, but planning a week of meals and sticking to a list cuts food waste and impulse buys.
- Try a supermarket downshift. Swap a few branded items for own-brand versions. Many people can’t tell the difference in a blind test – and if you can, switch back.
- Use your water meter wisely. If you live alone or in a small household, a water meter may work out cheaper. Your water company can usually tell you.
- Set up a ‘bills review’ reminder. Put a date in your calendar once a year to check everything above. Half an hour of admin can save a surprising amount.
None of these will change your life on its own, but together they can free up a useful sum every month – money you can put towards savings, a holiday, or something that actually makes you smile.
This article is general information, not financial advice. See our Disclosure & Disclaimer.