Housing and priority bills
- Rent or mortgage
- Council Tax or Rates
- Gas and electricity
- Water
- Essential secured or priority payments
If you are struggling to pay, prioritise consequences rather than simply paying the loudest creditor. Some missed bills have much more serious outcomes than others.
Communications
- Broadband
- Mobile contracts and SIMs
- TV packages
- Landline if applicable
Record contract end dates and current monthly prices. Out-of-contract services deserve particular attention.
Insurance
- Home and contents
- Car
- Pet
- Life or income protection where relevant
- Breakdown cover
Compare at renewal, but do not remove cover you genuinely need simply to reduce the monthly total.
Subscriptions and memberships
Streaming, apps, software, gyms, clubs and delivery memberships are easy to forget. Cancel what you no longer value and record the annual saving.
Annual and irregular costs
MOTs, servicing, boiler servicing, licences, memberships and seasonal costs should be converted into monthly sinking-fund contributions.
Best order: list → mark renewal dates → identify unused costs → compare negotiable bills → automate savings.