Need help reading this page? Click to activate Recite Me popup.

Tips to help you get your bills under control

 

We’ll cover:

  • tips for keeping on top of your bills
  • support with energy and water bills
  • help with food bills
  • managing bills online. 

 

Tips for managing your bills

Make a note of your outgoing payments

For all of your bill payments, list how much they are and when they need to be paid. Think about things like your mortgage or rent payments, mobile phone costs and utility bills. Use an average cost of your last three bills if they are different each month.

Check if you have any subscriptions and memberships. Using the mobile banking app, you can view, block or cancel subscriptions.

The spending insights tool may help you if you bank online. It will show you where you are spending your money and the categories of spend. By doing this, you can see your spending patterns and where you might be able to make some savings.

We've got more budgeting advice to help you manage your money.

Review your payment dates

You may be able to change your payment date to a date to suit you. Ring up whoever you're paying and see if you can change when your bill payment is due.

It can be helpful to have your bills coming out on the day you get paid. If you are paid weekly, spreading out payments over the month could help. Using the upcoming payments service you can keep track of what payments are due to leave your account and see how much you'll have left until you're next paid.

Some bills may have the option to make a single yearly payment. For example, your car or home insurance, or your road tax. By doing this you could pay less overall.

Pay in a way to suit you

A direct debit lets your bank or building society know that a business or service can collect payments from your account on a set date. The business or service will let you know the amount you need to pay each month.

You can also make regular payments by setting up standing orders. The payments will then be sent when they're due. No more forgetting and much less effort. It is easy to set up and cancel standing orders when you want through the mobile banking app or online banking.

You can also make one-off payments online and over the phone.

If you prefer to pay by phone, you’ll need to remember to make all your payments on time. Setting up a reminder on your phone or adding the payment deadlines to your calendar, may help you.

Support with energy bills

Bill Switcher

You can use this in the app.

With the rising cost of living, any money saved on bills is more money in your pocket. We’ve partnered with ApTap to bring you Bill Switcher, a comparison tool that checks for better deals on your broadband, mobile and energy bills.

  • Compare providers.
  • Switch to a better deal.
  • Find out if you can save money.

ApTap is free to use. We’ll receive a referral payment if you switch or sign up to a new provider.

Halifax app with the Bill Switcher function.

  • Mobile banking app guide

    1. Log in to the app and select the 'Everyday' tab.
    2. Scroll down to the 'More for you' section.
    3. Select 'My Extras'.
    4. Scroll down to the 'Featured' section.
    5. Select 'Bill Switcher'.

Make your home more energy efficient

Explore the changes you can make to save energy at home and reduce your bills.

How to reduce your energy bill

Home energy saving tool

Answer a few questions about your home and you’ll get  a tailored action plan to save energy and save money.

Home energy saving tool

Your energy supply

There’s lots of advice to help you with your energy bills on Citizens Advice.

Citizens Advice

Help with water bills

 

CCW is the independent voice for water consumers in England and Wales, providing free advice and support.

Their advice hub has lots of information and useful tools to help you reduce your bills or access financial support. That includes advice on the different types of schemes that water companies have.

Visit CCW

Support with your food shop

Supermarket shopping tips and tricks

Want to save on your supermarket shop? This guide on the MoneySavingExpert website is full of tips to help you save.

MoneySavingExpert

Too Good To Go

Save money on food bills by trying the Too Good To Go app. You can get great deals on leftover food from local shops and restaurants, which may otherwise go to waste.

Too Good To Go

Support from food banks

Using a food bank can be daunting, but trained volunteers are on hand to help with your referral, and make sure you have access to the support you need.

Trussell Trust

Managing your bills online

Pay your bills online

Managing your bills and payments online is quick and secure in the mobile banking app or online banking.

How to pay bills online

Keeping you safe

Whether you're shopping or managing your finances online, there are things you can do to protect yourself from fraud.

How we protect you

Get set up online

Mobile banking app

Join our 8 million app users.

  • Simple and secure login.
  • Stay up to date with notifications.
  • Chat to us online.

Download app

Online banking

Log in to view or manage your accounts on our website.

Log in

Register

You might also like

Money worries

With the rising cost of living, it's natural to worry about your money. We’re here to help.

Help with your finances

Check your spending habits

Spot patterns, compare month on month spending and see where you might be able to save money with spending insights in the app.

Spending insights

Subscription payments

View details of regular payments and see when future payments are due with manage subscriptions in the app.

Manage subscription payments

Managing your money

With the rising cost of living, we have the tips and tools to help you manage your money. Whether you are budgeting, borrowing, saving or supporting others we're here to help.

Help manage my money

Managing your money

With the rising cost of living, we have the tips and tools to help you manage your money. Whether you are budgeting, borrowing, saving or supporting others we're here to help.

Help manage my money