Money saving tips for UK households
Practical steps to lower your bills and check for help you may be missing. Each tip links to an official body or a free, independent service so you can check the details for yourself.
Start with where your money goes
Knowing your regular costs makes every other saving easier to spot.
Write down money in and money out
List your income and every regular bill, subscription and debt payment. Seeing it in one place helps you spot costs you can cut or switch.
Source: MoneyHelper budget plannerCheck your bank statements for subscriptions
Look for streaming services, apps, memberships and free trials that turned into paid plans. Cancel the ones you no longer use.
Source: MoneyHelper
Check support you may be missing
Many people don't claim help they could get. Checking is free and doesn't commit you to anything.
Use a free, independent benefits calculator
GOV.UK lists free, anonymous benefits calculators. They give an estimate only; the official body decides what you get.
Source: GOV.UKAsk your council about Council Tax discounts
You may pay less if you live alone, are a student, or have a low income. Your local council can tell you what applies where you live.
Source: GOV.UK
Energy and water bills
Small changes and the right tariff or scheme can make a difference.
Understand the energy price cap and compare deals
Ofgem explains how the price cap works and when fixed deals may or may not suit you.
Source: OfgemGet free energy-saving advice
The Energy Saving Trust has free, independent tips on using less energy at home.
Source: Energy Saving TrustAsk your water company about social tariffs
Most water companies offer reduced tariffs for people on low incomes. Contact your supplier to check.
Source: CCW (Consumer Council for Water)
Broadband and mobile
Many people pay more than they need to once a contract ends.
Check for broadband and mobile social tariffs
If you get certain benefits, you may be able to get a cheaper social tariff. Ofcom lists the providers that offer them.
Source: OfcomReview your deal when your contract ends
Prices often go up after a minimum term. Ask your provider for a better deal or compare others.
Source: Ofcom
If money is tight or you're in debt
Getting help early usually means more options. These services are free and confidential.
Talk to a free debt advice service
MoneyHelper can point you to free debt advice by phone, online or face to face. Avoid paying for debt help that's available for free.
Source: MoneyHelperGet local help from Citizens Advice
Citizens Advice gives free, independent help with money, benefits, housing and more.
Source: Citizens Advice
See what applies to your household
LifeLyft brings your money, possible support and savings together, and shows your next steps. Any amounts are estimates, not guarantees.
Check my moneyThis page gives general information, not regulated financial, legal or benefits advice. LifeLyft is not affiliated with or endorsed by any government body or the organisations linked above.