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Paying towards your debts after you go bankrupt
: rent or mortgage food energy, phone and internet bills child maintenance house or car insurance Reasonable living costs are things like: clothes holidays after-school clubs pets The person who
Prepare for a power cut
you’re unable to heat water. Check if you can get extra help from your supplier You might be able to sign up to the Priority Services Register, this can give you extra support during a power cut - you
How credit cards work
and shops and suppliers usually display a sign telling you which cards they take. How much you can spend You are allowed to spend up to a certain amount on the card, called the credit limit
Save money heating your home
of a single radiator You can use these central heating controls to keep your home at a comfortable temperature without heating it more than you need to. This can help you save energy and reduce your bills
Letter to complain about a phone, TV or internet bill
template to complain to your supplier about a problem with a bill for your phone, TV or internet service. It should help the trader understand your point of view and their legal obligation to sort out
Stop getting junk mail
usually cost up to 55p a minute from mobiles and up to 13p a minute from landlines. It should be free if you have a contract that includes calls to landlines - check with your supplier if you're not sure
Save money using your electrical appliances
Average cost 5p an hour Dishwasher You can save money by: only running your dishwasher when it’s full using the ‘eco’ or energy-saving setting - this usually takes longer but uses less electricity checking
Preparing to rent from a private landlord
ask about any conditions before you agree to take a property. Check the Energy Performance Certificate You should ask to see the Energy Performance Certificate (EPC) for the property. The EPC tells
Check your rights if you share accommodation
. If an account is set up using the names of everyone who lives in the property, the supplier can chase anyone for any outstanding debts even if you've already paid your share. More about paying energy bills
If you’re not happy with Royal Mail’s decision about compensation
from mobiles and up to 13p a minute from landlines. It should be free if you have a contract that includes calls to landlines - check with your supplier if you're not sure. Help us improve our website