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Paying bills by direct debit often includes a discount. However, there may be a fee for paying in instalments on things like insurance.   kellyjones00 (593)

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Companies rely on laziness, not loyalty. So ask yourself if your gas, electricity, phone, mobile, broadband, or insurance bills are still the best deal for you. Check a comparison website then talk to the disconnections department, who have the power to authorise special rates in order to keep customers.   kellyjones00 (593)

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Before shifting from one company to another, check for 'leaving' charges, or fees on early contract termination.   kellyjones00 (593)

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Online payment scheduling: Put as many of your bills on direct debit as you can, but those you can't, schedule the payment for the last day via online banking the moment you receive the bill. The knowledge that you have so many payments automatically coming out of your account will encourage you not to overspend so the money isn't there, and enables you to earn interest on each dollar before the final payday (only if you have an account that calculates interest daily, and usually pays monthly).   myxlfidian (150)

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Prepaid: If you take the prepaid option when it is available (eg, for mobile phones), it can prevent you from getting bills that you can't afford.   thesource (378)

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Bills: The secret of paying them is to allow for them in advance. As soon as they arrive, factor them in to your financial equation as soon as possible (i.e. within that day or the next few days). Then the rest of your expenditure will bend to accommodate it. With credit cards, you can find out through online statements how much you will owe and by what date, well in advance of the paper bill arriving. Never miss an opportunity to face bills square in the eye from day one. The sooner the better. The broke people always pretend the bills aren't there, and go merrily spending up until the final day.   myxlfidian (150)

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