Household bills are a pain – particularly in the winter months.
When you want to save cash so that you have more money to spend on things like festive gifts and times with loved ones, it can seem like you’re going to have to spend the colder season shivering in your living room, too afraid to turn on the television.
The good news? Saving money on your household bills doesn’t have to be nearly that exhausting. In fact, there are some quick and easy ways that you can get started in no time. Here, we’re going to help you figure out ways to save cash on your bills, so you can spend more on the things that matter.
- Pay Less for your Power
Switching your gas and electricity suppliers can save you a fortune – particularly if you haven’t switched before. Signing up with a cheaper supplier is simpler than you’d think. Just like finding the best deal for your personal loan via a site like Readies.co.uk, you spend a little time searching through your options online, then you choose the supplier that you want to work with. Most of the time, your supplier will do the switching for you, so you don’t have to worry about all that.
Allowing your direct debits to automatically renew can be a huge mistake, as the best deals are often reserved for new customers. Making the effort to check that you’re getting the best price every few months will save you a fortune in the long-term.
2. Cut Council Tax Costs
Ultimately, there’s not a lot you can do to reduce the costs that you have to pay the council, as you’ll be placed into specific bands for council tax depending on what you pay. However, you could always challenge your council tax band if you find out that neighbors with similar houses to you are paying less than you are. There’s also the option to get reductions on some of your monthly payments if you’re eligible for things like child tax credits.
Consider speaking to a member of the citizens advice bureau in your town to find out what kind of extra help you might be entitled to if you’re on a particularly low income.
3. Stop Splashing Out on Water
A lot of people think of cutting down their gas and electricity bills when they’re trying to save money on their monthly expenses. However, for some reason, we don’t think nearly as often about our water bills. If you want to save some extra cash next year, consider asking your water company whether you can get a water meter. A water meter will save you some cash if you’re on certain benefits. For instance, some homes can even get their bills capped.
However, think carefully about whether your water meter is really a good idea before you’re asking for one. If you have the same number of people in your house as you have number of bedrooms, you’re probably paying around the right price already.
4. Switch your Mortgage
A mortgage is one of the most expensive and long-lasting loans that you’re ever going to get. The good news is that switching your mortgage provider can save you some serious money if you’re willing to shop around. There are plenty of companies out there that can give you a great deal on your mortgage if you have a good credit history, particularly if you’re willing to stick to a fixed rate.
If you’ve never switched mortgages before, it might be a good idea to speak to a broker before you jump into anything. Brokers can help you to find a deal that’s right for you, and sometimes they even get special offers that typical customers won’t be able to access on their own.
5. Grow your Own Food
Finally, rather than spending a fortune whenever you have to go shopping for food, why not consider doing more for yourself? The chances are that you’ve already taken the DIY route with your décor and putting up your own shelves, you can also take the same strategy to heart when it comes to growing food. Find out what kind of fruits and vegetables grow best in your area and get to work on making your own miniature garden.
If your growing strategy is a success, you can even get the kids involved and help them to learn some incredible skills that they’ll be able to take with them into adulthood.