Money fixes, sorted by time
Every guide here is a practical fix with an honest rating: how long it takes, how hard it is, and how much it could save. Pick the time you’ve got and start.
The Fix Rating
Most money advice tells you what to do. We also tell you what it takes. Every guide is rated on four things.
An honest estimate for doing it the first time, hold music included.
From a single phone call to a proper weekend project.
A rough band for a typical household. Your own bills decide the real figure.
Do it once and save every year, or build it into your week.
Under 30 minutes
One call, one form or one switch. Start with the biggest savings.
Your card provider is jointly liable on credit card purchases over 100 pounds. How to claim, and the debit card fallback.
Desk-sold excess waiver is where the margin is. Standalone cover, fuel policies, and photographing everything.
Buy it the day you book, not the week you fly. Declaring conditions honestly, and the exclusions that catch people.
Manufacturer refurbished with a warranty is the sweet spot. Decoding grades, and why your consumer rights still apply.
When a licence is legally required, the concessions people miss, and why rotating subscriptions beats stacking them.
Buying two tickets for one journey is legal and often cheaper. The one rule you must get right.
Browse by topic
10 fixes
Banking & Savings
Current accounts, savings rates, switching bonuses and everyday banking.
10 fixes
Bills & Utilities
Cut the cost of energy, water, broadband, mobile and council tax.
10 fixes
Food & Groceries
Supermarket savings, meal planning and cutting your weekly shop.
10 fixes
Household & Family
Childcare, insurance, subscriptions and running a home for less.
10 fixes
Shopping & Deals
Discount codes, cashback, sales tactics and buying at the right time.
10 fixes
Travel
Cheaper flights, trains, fuel, holidays and travel money.
Newest
Save monthly instead of borrowing in December, have the scale-back conversation early, and avoid unprotected savings schemes.
Agent and conveyancing fees are negotiable. Get three quotes for everything, and move mid-month midweek.
Insure early or conditions are excluded for life. Why lifetime cover usually wins and how to cut routine costs.
Schools must keep branded uniform to a minimum, and trips in school hours cannot be compulsory. Plus the grants people miss.
Level term suits most families. How much and how long, why income protection matters, and writing it in trust.
Compare the true total including cleaning and resort fees, then always check the property's own site.
Commission never changes a rating. Plenty of our best fixes earn us nothing. How we make money.
UK rules, UK providers, UK consumer rights — with pointers to free help from MoneyHelper and Citizens Advice.
Rates and prices change, so we show you where to check the current figure instead of printing one that goes stale.
