Everybody enjoys payday, whether you’ve had to go into economy mode for the previous week or are becoming proficient at saving. But monthly expenses can put somewhat of a damper on this occasion, as we cut a big chunk out of that fresh income and divide it up into respective accounts, ready for those direct debits and repayments. We generally can’t live without our essential services, and we must pay for them. However, there are ways in which we can reduce these expenses by doing some smart deal-searching. Here are the services you should be comparing to find the best deal possible.
Electricity And Gas
There are many reasons that you may want to change electricity and gas suppliers. First up is customer service, or lack thereof. When paying for a service you’d expect that the business you’re giving money to would at least be courteous towards you if you were to experience any problems but sadly that isn’t always the case. In fact, 27% of complaints about energy companies were about their customer service, and this is a perfectly understandable reason to switch suppliers. Luckily, there are plenty of providers out there with varying costs, and while there will be complaints about any company under the sun, you’ll be able to discern those that generally have a good track record combined with affordable prices.
It’s not a pleasant subject but knowing that there are measures in place should anything happen to you, or your partner is very important. Getting the best private health insurance or life insurance using a broker like Switch Health is a very wise move. This is a worthwhile service to have, as if you were to fall ill and require specialist, private care you’ll have the means to get it. And if you or your partner was to pass away, life insurance will help your loved ones carry on with their lives without worrying about finances.
When it comes to paying for things like this, there are several factors to consider. Primarily, you might find that connectivity is a problem as well as low speeds. Many complaints made to service providers are related to this issue, and you might find that another provider will be able to guarantee a better connection in your area. Next, of course, is the issue of cost. Often, providers will increase the price of their services over time and when you fall out of contract with them, you’ll be put on a standard rate which can be significantly more expensive than what you currently pay.
Another essential service is our banking. There is plenty of competition in the world of banking, and this is something you can take advantage of to some degree. At the end of the day, banks want you to choose them to look after your money, and many will offer perks and bonuses to those that do. HSBC for example, often offer gift vouchers and travel cards when you switch to them but remember that it’s important to search around for something suitable for you. Perks aren’t everything either. You’ll also want to consider things like saving rates, fees, and customer services too.