Cut Your Bills.
Every Single One.

Energy is the biggest bill and the most missable savings. Social tariffs, Warm Home Discount, hardship funds — most people on low incomes qualify for at least one thing they're not getting.

• Switch supplier using Uswitch or MoneySavingExpert — fixed deals are back
• Check if you're on a standard variable tariff — almost always the most expensive option
• Smart meter: free to install, helps you track usage and qualify for some tariffs
• If you can't pay: don't ignore it — call your supplier, set up a payment plan, mention hardship. They legally can't cut you off without offering alternatives in winter.

This is one of the easiest bills to slash — and most people massively overpay. The secret weapon most people miss is the social broadband tariff.

• If not on benefits: compare deals at Uswitch — new customer deals are always cheaper
• Out of contract? Ring up and threaten to leave — retention teams have budget for discounts
• BT Essentials specifically: available to UC, ESA, PIP claimants — full speed broadband, no contract trap

Most people pay £30–£50/month for a phone contract. You can get the same data and calls for £6–£15/month on a SIM-only deal — especially if your phone is already paid off.

• Check if your phone is paid off — if it is, you should be on SIM-only immediately. Staying on the same contract after your phone is paid for is free money given away.
• SIM-only deals: Smarty (£6–£20/month, no contract), VOXI, Lebara, Lyca — massive data, tiny price
• Social tariff mobile: O2, EE, and Vodafone all offer discounted plans for UC claimants — call and ask
• Use MSE SIM comparison to find the current cheapest deal for your usage

Car insurance is the most gameable bill there is. The renewal price is almost always a rip-off. The people who save are the ones who never auto-renew.

• Never auto-renew — set a calendar reminder 3 weeks before renewal, compare elsewhere every single time
• Compare on Compare the Market, Confused.com, and GoCompare — use all three, prices differ
• Ring your insurer with the cheaper quote — "I've been quoted £X elsewhere, can you match it?" Works more often than you'd think
• Pay annually not monthly — monthly adds 20–30% in interest charges
• Telematics (black box) policies: good for younger drivers — can cut premiums by 30–50%
• Increase voluntary excess carefully — lowers premium, but make sure you can actually pay the excess if you claim

Same rules as car insurance — loyalty is penalised, switching is rewarded.

• Compare buildings and contents separately — sometimes cheaper than combined
• Same comparison sites as car insurance — CTM, Confused, GoCompare
• If renting: you only need contents insurance — buildings is the landlord's responsibility
• Check if contents are covered under a bank account (some packaged accounts include it)

You can't switch water supplier — but there are several ways to cut the bill most people don't know about.

• WaterSure scheme — if you use a lot of water for medical reasons or have 3+ kids, your bill is capped. Free. Apply through your supplier.
• Water meter — if you live alone or as a couple, a water meter almost always saves money. Request a free meter from your supplier.
• Social tariffs — every water company has them for low-income households. Ask your supplier directly: "Do you have a social tariff?"
• Debt support — water companies can't cut off domestic supply. If you're in debt, call them — they legally have to help you set up a payment plan.

£169.50/year. Most people just pay it. But a surprising number of people are paying who either don't need to or qualify for it free.

• Over 75 and on Pension Credit? — TV licence is free. Apply at tvlicensing.co.uk
• Blind or severely sight impaired? — 50% discount available
• Only watch Netflix/Disney/streaming? — if you never watch live TV or BBC iPlayer, you don't legally need a TV licence. Cancel it.
• Student living away from home? — covered by parents' licence if only watching on a device not plugged into mains

Council Tax Reduction is one of the most underclaimed discounts in the UK. If you're on a low income you almost certainly qualify for something — possibly everything.

• Council Tax Reduction — apply through your council. Based on income. Can be 0–100% off. Apply even if you think you won't qualify.
• Single person discount — 25% off if you're the only adult in the property. Automatic — but you have to claim it.
• Empty properties, carers, students — various exemptions exist. Check your council's website.
• Apply at gov.uk/apply-council-tax-reduction