How to Make Your Bills More Affordable

No one likes paying bills but if we want to be able to use services such as electricity, gas, water, television and telephones then we need to pay them alongside our tax which will go towards local services. It is always worth thinking about what you are getting or the money when you are paying bills rather than fixating on the fact that you are having to pay out. There are also ways that you may be able to make some of your bills more affordable.

When it comes to tax, there is no way of changing it or reducing it unless your circumstances change. However with council tax there is a chance that you may be in the incorrect tax band. The bands are assessed when a house goes up for sale but not in between which means that it may be incorrect. It is worth finding out if you think there is any reason why it may be too high. You can see the tax bands of yourself and neighbouring houses on the government website and it also lets you know where to contact them if you think that it may be incorrect.

Energy bills can be another expensive bill that we dread, particularly in the winter when we use the heating more. To help to spread the cost over the year, many energy suppliers will let you pay more than you need in the summer so that you build up some money to cover the more expensive winter months. If you would rather they did not have extra money like this, then you could put a bit of money aside in the summer to use towards the winter bills. Being aware of your energy use can be important and using a smart meter to measure what energy you are using will help you to understand what is costing you money and may help you to plan what energy you are using. Making sure you switch things off when you are not using them is a really big help to start with. Then you may be able to think of ways to cut down in other areas as well.

Mobile phones, broadband, landline and television packages can come together or separately. They can be pretty expensive and so we often bundle them up to save money. It is extremely wise to go for the best deal that you can find, but it is also expensive not to be tempted to get more than you need. It is so easy to be drawn in by advertising but be careful and make sure that you know exactly what you are getting for your money and that it is something that you really need.

Water bills are something e may not think about as much, however, we can influence them It is worth finding out whether it will be cheaper for you to have a meter, if you have not got one. A rule of thumb is that if there are less people in the home than bedrooms then it is likely you will be cheaper with a meter but of course if you have lots of baths, water the garden a lot, wash the car regularly and do lots of washing, then this may not be true. There are online calculators where you can work things like that out. If you are metered then it is wise to make sure that you are not wasting water. Think about all of the ways that you do use water and whether there are ways you could cut down. Your local water supplier should have some tips on their website.

There are lots of little things that can be done which should reduce bills. Although each thing might only make a very small difference, these will all add up and it can make a real difference each month to how much you have to pay out. If you add up how much you have saved over the course of a year, you could be surprised as to how much it is and how little effort it took to save the money. Those little savings can all add up and they could allow you to start paying off debt, save money or treat yourself to something.

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