Save money on the bills you already pay

Most UK households overpay by hundreds of pounds a year without noticing. The big three — broadband, energy and mobile — can usually be fixed in under an hour, total. Here’s exactly how.

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Broadband

Typical saving: £100–£150/yr

Find your contract end date — text “INFO” to 85075 or check your account. Out of contract? You're almost certainly overpaying.
Compare what new customers pay for the same speed — that gap is your bargaining power.
Call and ask for the leaver's team. Say you've seen a cheaper deal; most providers match it on the spot. If they won't — switching takes one phone call and the new provider handles it.

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Energy

Typical saving: £100–£200/yr

Take a meter reading and dig out your current unit rates and standing charge.
Check if a fixed deal beats the price cap for your usage — fixes come and go, so it's worth a look every couple of months.
Submit regular readings (or get a smart meter) so you only pay for what you use — estimated bills quietly build up credit that should be in your pocket.

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Mobile / SIM

Typical saving: £80–£120/yr

Check if your handset is paid off. After the minimum term you're often still paying a bundled price for a phone you now own.
Switch to SIM-only — plenty of plans with generous data cost under £10 a month.
Text “PAC” to 65075 to switch and keep your number — it takes about a minute, and the new network does the rest.

These steps work with any comparison site — use whichever you like.

Paying off debt beats most saving

If you’re carrying expensive debt, every £1 you overpay usually ‘earns’ more than £1 in a savings account ever could. These guides show you where to start:

How to get out of debtA step-by-step plan that works whatever you owe — from the first list you make to the last payment.Free debt helpStruggling? There's free, confidential support you're entitled to — here's who to contact and what they can do.Improve your credit scorePractical fixes that genuinely move the needle, and the myths that waste your time.

Thinking of borrowing? Check the real cost first

Our free calculator shows what a loan really costs in interest — before any application, credit check or sales pitch. Two sliders, ten seconds, no surprises later.