Childcare, insurance, subscriptions and running a home for less.
10 fixes
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.
Tax-Free Childcare, free hours and Universal Credit support - and why the schemes do not all combine.
Free museums, two-for-one rail offers and loyalty point conversions that multiply what your points are worth.
Rebuild cost is not market value. The sums to get right and the add-ons you may already have twice.
Never auto-renew. When to buy, which details legitimately change the price, and the fraud line not to cross.
An hour with three months of statements. Where forgotten payments hide and how to cancel properly.
