Managing your household bills | NatWest

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Tips to manage your household bills

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Keeping a lid on those household bills

From time to time it’s worth checking you gas, electricity, phone, TV, broadband online to see if you could pay less.

Online comparison sites like uswitch are really easy to use and could save you hundreds of pounds. Or you can sign up to Money Savings Expert’s Cheap Energy Club. They’ll do a full comparison of all energy deals and email you if you’re overpaying. They’ll also tell you who’s cheaper.

You could use Quidco to try and get a better deal, as you’ll also get cashback with selected suppliers.

Get a cheaper deal from the same supplier

Energy suppliers charge a number of different tariffs. So if you’re on a standard tariff (and 66% of people are) you’re likely to be able to save money, just by switching to a cheaper deal.  


Your supplier will often tell you about special offers and deals, but it’s also worth calling them and checking for yourself.

Pay by monthly Direct Debit if you can

Look to see if you can pay your household bills by Direct Debit each month, as this often makes it easier to manage a budget and avoids the quarterly bill.


If you’re worried you might overpay if you pay a fixed amount every month (particularly with energy bills), remember you can ask anytime for an overpayment to be refunded and some companies do it automatically.

Read your meter at least every three months

Energy bills are often estimated, which could mean you have been under or over paying. If you’ve been underpaying your supplier will help you work out how to pay back what you owe – better to know sooner rather than later.


If you’ve been overpaying they’ll have your cash rather than you. So its worth taking 2 minutes to read your own gas and electricity meters and provide your supplier with monthly readings. 

Think about getting an energy monitor

An energy monitor (not to be confused with a smart meter) is a gadget that gives you a real time estimate of the amount of electricity you’re using. Some energy suppliers will give you one for free, but you can buy them from places like Argos for around £40. They’re easy to set up (they clip to your meter cable) and show you at a glance how different appliances affect your electricity consumption.


By seeing what makes your electricity consumption go up, you’ll know where to cut back if you need to. They’re to help you and you alone – they don’t send the information to your energy supplier.

Look for better deals on your TV, broadband and phone 

It’s all too easy to stick with one provider simply because it’s too much effort to change, but you could be overpaying by £100s a year. Use comparison sites like uSwitch to see if you can get your package cheaper.


It’s always worth asking your provider whether they have any offers available – often these aren’t advertised. It may even be cheaper for you to have a different provider for your TV, broadband and phone.


And if you’re prepared to compromise on programme choice you could always think about Freeview and Google Chrome Cast.

These links are to non-NatWest websites. NatWest is not liable for the accuracy of the information provided on these websites.

Start earning Rewards on your Direct Debits

With our Reward bank accounts, you can earn:

  • 2% in Rewards on seven types of household bills paid by Direct Debit
  • At least 1% at our partner retailers

Account fee from £2 a month. You must be 18 or over and a UK resident.

Reward accounts

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Tips to keep a lid on your household bills

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Whether you are in a rush or just want to make the most of your downtime, our mobile app lets you stay in touch with your finances at a time that suits you. Plus, beyond checking your balance, it's packed full of features to let you do your day to day banking:

Pay your bills and friends

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