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managing your bills

It is important that you take time to read through your bills and make sure they are accurate. If you write down how much you pay each company each month you can see how much your bills go up or down over time.

“Keep a record of your bill in order in a safe place so you can easily find your account information and useful contact details if you need to”

After time you may want to throw old bills away. Be careful to destroy them properly so nobody can get hold of your personal information. By being organised with your bills will help you pay them on time and stay out of debt.

Paying your bills

If you have a bank account, the best way to stay on top of your bills is to pay them by Direct Debit or Standing Order, this way your bills will always be paid on time which can prevent late payment charges.

“Many companies give discounts or offer promotions to customers who pay by Direct Debit - which could save you money!”

When you set up a Standing Order, choose a payment date when you know you that the money will be in your account to pay it, such as just after pay day.

You will still get a bill each month, but it will just show what will be debited from your account for your records and then this will automatically be taken on your chosen date.

If you have access to the internet you can often choose to have ‘paperless billing’, which means the billing company doesn’t send you anything through the post. Instead, they send you your bill by email each month and you can check your account online whenever you like. Again, there are often discounts for customers who sign up to this!

If you pay by Direct Debit you are covered by the direct debit guarantee. Every company offering Direct Debit payment must follow strict rules and tell you what the payment amounts are and when they will be collected the money. They also have to tell you about any changes in writing.

This guarantee also protects you. If a wrong payment is ever collected there are laws in place to make sure you get the money back in full.

Did you know?

If you have a bank or giro account you can pay your rent by Direct Debit this is the easiest method of payment for the majority of our customers. You can choose a payment date which is most convenient for you for example once a week, once a month or bi-monthly! If you would like to set up a direct debit, please contact The Income Management Team on 01270 506200 and we will be happy to help.

Energy bills

Energy bills are a major expense however there are simple things you can do to reduce the amount of energy you use and the amount of money you pay.

  • Switching off lights and electrical appliances at the wall
  • Unplug your mobile phone once it is fully charged
  • Reduce your room temperature by just 1°C – it could take up to 10% off your annual fuel bill
  • Draw curtains at night and use draught excluders to stop heat escaping
  • Only boil as much water as you need and put lids on pans to trap heat
  • Don’t leave taps running
  • Switching energy supplier or change your tariff

Switching energy supplier

Don’t pay over the odds for your gas and electricity! My Home Energy Switch lets you compare all energy suppliers simply and quickly to make sure you’re getting the best price for your gas and electricity.

“Switch today and save on average £254 on your energy bills!*”

My Home Energy Switch is a new financial inclusion partnership between the National Housing Federation and uSwitch.com. It provides housing association customers and staff with a free, impartial online or telephone comparison and switching service that helps you to save money on gas and electricity.

Why use My Home EnergySwitch?

  • They take care of all the paper work for you – simply sit back, relax and enjoy cheaper energy bills!
  • There is no charge to use the comparison and switching service
  • My Home Energy Switch is delivered in partnership with uSwitch.com, the number one energy comparison site
  • There is a dedicated phone line to answer all queries and help you switch
  • They compare ALL UK energy suppliers and are completely impartial

Top Tip

Visit www.myhomeenergyswitch.org.uk or call 0800 051 5346 and compare prices from all of the UK energy suppliers today!

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