Why do so many of us put off writing a Will?

The big UK news this week is that the energy price cap is expected to rise again from July 1st 2026, with average household bills increasing by around 13%. That means many households could be paying around £18 more a month on gas and electric alone. The rise is being linked to increasing wholesale gas prices and ongoing tensions in the Middle East, and whilst we’re thankfully nowhere near the levels seen during the 2022 energy crisis, it’s still another hit to household budgets. The reality is, many people are simply overpaying because they haven’t checked their bills for a while. Now is the time to see what else is out there. At Miss Money Savvy, our free Household Bills Calculator makes it quick and easy to check if you could save money on your gas, electric, broadband or mobile bills. It’s completely free to use, takes just a few minutes, and there’s absolutely no obligation. Why pay more than you need to? Click here to try our Savings Calculator today and see how much you could save before the next price rise kicks in.

It always creeps up, doesn’t it? The lighter nights, holidays booked, weekends out… saying yes to more. And before you know it, spending quietly starts to climb. I see this every year, but this year feels different. Recent UK data shows credit card borrowing has increased over the past 12 months, with more households relying on credit just to keep up. At the same time, everyday costs haven’t really eased, food, energy and essentials are still higher than most people are comfortable with. So going into summer, this isn’t about cutting everything back… It’s about being smarter with what you’re already spending. Take Stock (Without the Guilt) The first step is simple just take a look. What are you actually spending each month? What’s crept up without you noticing? What are you paying for that you haven’t reviewed in years? No judgement. Because in my experience, most people don’t have a spending problem… they have a visibility problem. Where Your Money Slips Away This is the bit we see every single day at Miss Money Savvy. People overpaying on the basics: Gas & Electric Broadband Mobile Insurance Not because they’ve made a bad decision… But because life gets busy and these things get left. And over time, that becomes the difference between feeling comfortable and quietly relying on credit to bridge the gap. Small Changes Make a Big Difference You don’t need to overhaul your life. Just a few simple checks can shift things quickly: Review subscriptions you no longer use Switch providers if you’re out of contract Sense check what you’re actually getting for your money When you reduce your fixed costs, you create breathing space every single month. Start Here (It Takes 2 Minutes) If you do one thing, just check. Try the Miss Money Savvy calculator See what you could be saving on your household bills. On average, we help households save £1,200* a year. Free to check No pressure Takes a couple of minutes We regularly see households saving £100+ a month*, and in many cases even more just by reviewing what they’re already paying. Go Into Summer in Control This isn’t about cutting back on the things you enjoy. It’s about making sure you’re not: Paying more than you need to Using credit to cover avoidable gaps Carrying unnecessary financial stress Go into summer feeling in control, not catching up. Give it a go. Check your bills. See what’s possible. Sources: UK consumer finance and household spending trends, 2025–2026 * £1,200 o £100 per month savings are as of September 2025. Savings are not guaranteed and individual savings will vary depending on usage, location, and current supplier.

The first week of January is full of hope. New plans. New promises. A fresh start. By the second week, real life shows up again. The credit card bill lands. The school run starts. The news still feels heavy. And suddenly that “new year, new me” energy gets a little harder to hold onto. That’s normal. Because most of us aren’t really chasing more stuff. We’re chasing a bit of breathing space. Less pressure. More stability. And for a lot of households, money plays a big part in that. If rising energy costs, broadband bills, or everyday expenses are already making this year feel tighter than you hoped, you’re not alone. Many people start January worrying about how to make their money stretch further. That’s where Miss Money Savvy comes in. We help people save money on their household bills including energy , broadband , mobile and insurance by checking what they’re paying now and finding better deals if they’re available. No jargon, no pressure, just simple support from real people. If you’re looking for ways of saving money at home, or want to see if you could reduce your energy bills, complete our household review , it only takes a few minutes to check. Sometimes the biggest relief isn’t a big lifestyle change, it’s knowing your home is on the best deals. 💜 See if you could make your bills a little lighter with Miss Money Savvy

Winter brings colder days, cosier nights — and a few extra things to keep an eye on around the home.

Are we all just creatures of habit… or something more?

The weather’s turning colder, and most of us know what that means - higher heating bills. 

The Bank of England has cut interest rates. But what does that actually mean for most of us? I n simple terms: Mortgage and loan payments might come down a little. Credit cards could be slightly easier to pay off. Savings in the bank will likely grow more slowly. Good news if you’re borrowing, not so great if you’re saving. But here’s the reality - An interest rate cut doesn’t reduce the cost of living. Energy, broadband, mobiles, and insurance bills don’t get cheaper just because the Bank of England changes rates. And that’s where the biggest savings are often hiding. At Miss Money Savvy, we offer a free, no-obligation review of your household bills to see where you could save. 9 out of 10 people save when we carry out a review. The average saving is around £70 a month (figures as of 20th August 2025). While interest rates go up and down, the one thing you can control is making sure you’re not overpaying on your everyday bills. What’s Behind Miss Money Savvy? We started Miss Money Savvy with one simple belief: people deserve to keep more of their hard-earned money. Too often, households end up paying more than they need to for everyday bills without realising it. Our job is to shine a light on where savings can be made, in a way that’s clear, friendly, and pressure-free. If we can help you cut your bills, brilliant. If not, you’ll have peace of mind knowing you’re already on a good deal. Because at the end of the day, it’s about making life a little easier and helping you feel more in control of your money. Book your free, no-obligation Household Bills Review today Free Review - Household Bills or call 0161 505 0979 and one of our team will be able to help.

Some people think I’ve “moved over to the dark side” by switching to a smart meter, but with energy prices escalating, it’s actually been a game-changer for me. With a full house, it’s easy for others to overlook the costs of gas and electricity, but the smart meter helps me keep track of our household spend. It’s given me peace of mind, knowing I’m neither over nor under-paying. In these times of rising costs, it’s comforting to have that control over our energy usage.  That said, smart meters come with their own set of pros and cons. So, are they truly a benefit or a hindrance?

As we juggle life, work, family, and all the other challenges that come with the current economic climate, it’s important to remember that we’re not alone.