{"id":5226,"date":"2024-12-02T17:32:43","date_gmt":"2024-12-02T16:32:43","guid":{"rendered":"https:\/\/citizensadvicecopeland.org.uk\/?page_id=5226"},"modified":"2026-04-29T16:40:08","modified_gmt":"2026-04-29T15:40:08","slug":"reducing-outgoings-common-savings","status":"publish","type":"page","link":"https:\/\/citizensadvicecopeland.org.uk\/index.php\/reducing-outgoings-common-savings\/","title":{"rendered":"Reducing outgoings, common savings"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"5226\" class=\"elementor elementor-5226\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-17072936 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"17072936\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-411e6312\" data-id=\"411e6312\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-642de205 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"642de205\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6139c80c\" data-id=\"6139c80c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-917606a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"917606a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2b7ef6a0\" data-id=\"2b7ef6a0\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9527eac elementor-widget elementor-widget-heading\" data-id=\"9527eac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Money Confidence<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5ab26b hfe-nav-menu__align-left hfe-submenu-icon-arrow hfe-link-redirect-child hfe-nav-menu__breakpoint-tablet elementor-widget elementor-widget-navigation-menu\" data-id=\"b5ab26b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;padding_horizontal_menu_item&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:15,&quot;sizes&quot;:[]},&quot;padding_horizontal_menu_item_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;padding_horizontal_menu_item_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;padding_vertical_menu_item&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:15,&quot;sizes&quot;:[]},&quot;padding_vertical_menu_item_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;padding_vertical_menu_item_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;menu_space_between&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;menu_space_between_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;menu_space_between_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;dropdown_border_radius&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;dropdown_border_radius_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;dropdown_border_radius_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;padding_horizontal_dropdown_item&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;padding_horizontal_dropdown_item_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;padding_horizontal_dropdown_item_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;padding_vertical_dropdown_item&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:15,&quot;sizes&quot;:[]},&quot;padding_vertical_dropdown_item_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;padding_vertical_dropdown_item_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;distance_from_menu&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;distance_from_menu_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;distance_from_menu_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;toggle_size&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;toggle_size_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;toggle_size_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;toggle_border_width&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;toggle_border_width_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;toggle_border_width_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;toggle_border_radius&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;toggle_border_radius_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;toggle_border_radius_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"navigation-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"hfe-nav-menu hfe-layout-vertical hfe-nav-menu-layout vertical\" data-layout=\"vertical\">\n\t\t\t\t<div role=\"button\" class=\"hfe-nav-menu__toggle elementor-clickable\" tabindex=\"0\" aria-label=\"Menu Toggle\">\n\t\t\t\t\t<span class=\"screen-reader-text\">Menu<\/span>\n\t\t\t\t\t<div class=\"hfe-nav-menu-icon\">\n\t\t\t\t\t\t<i aria-hidden=\"true\"  class=\"fas fa-align-justify\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<nav class=\"hfe-nav-menu__layout-vertical hfe-nav-menu__submenu-arrow\" data-toggle-icon=\"&lt;i aria-hidden=&quot;true&quot; tabindex=&quot;0&quot; class=&quot;fas fa-align-justify&quot;&gt;&lt;\/i&gt;\" data-close-icon=\"&lt;i aria-hidden=&quot;true&quot; tabindex=&quot;0&quot; class=&quot;far fa-window-close&quot;&gt;&lt;\/i&gt;\" data-full-width=\"yes\">\n\t\t\t\t\t<ul id=\"menu-1-b5ab26b\" class=\"hfe-nav-menu\"><li id=\"menu-item-701\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/save-money\/\" class = \"hfe-menu-item\">Save money<\/a><\/li>\n<li id=\"menu-item-700\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/cutting-down-on-bills\/\" class = \"hfe-menu-item\">Cutting down on bills<\/a><\/li>\n<li id=\"menu-item-699\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/increasing-your-income\/\" class = \"hfe-menu-item\">Increasing your income<\/a><\/li>\n<li id=\"menu-item-1981\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/energy-advice\/\" class = \"hfe-menu-item\">Energy Advice<\/a><\/li>\n<li id=\"menu-item-1958\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/money-confidence\/planning-for-christmas-2023\/\" class = \"hfe-menu-item\">Planning for Christmas<\/a><\/li>\n<li id=\"menu-item-2932\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/budgeting\/\" class = \"hfe-menu-item\">Budgeting<\/a><\/li>\n<li id=\"menu-item-2968\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/household-costs\/\" class = \"hfe-menu-item\">Household Costs<\/a><\/li>\n<li id=\"menu-item-4742\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/life-skills\/\" class = \"hfe-menu-item\">Life Skills<\/a><\/li>\n<li id=\"menu-item-5443\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/money-and-mind-hub\/\" class = \"hfe-menu-item\">Money and Mind Hub<\/a><\/li>\n<li id=\"menu-item-6327\" class=\"menu-item menu-item-type-post_type menu-item-object-page parent hfe-creative-menu\"><a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/money-confidence-resources\/\" class = \"hfe-menu-item\">Money Confidence Resources<\/a><\/li>\n<\/ul> \n\t\t\t\t<\/nav>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5f396138\" data-id=\"5f396138\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-de9b88 elementor-widget elementor-widget-image\" data-id=\"de9b88\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/citizensadvicecopeland.org.uk\/wp-content\/uploads\/2024\/12\/Reducing-outgoings-common-savings.png\" title=\"Reducing outgoings, common savings\" alt=\"Reducing outgoings, common savings\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-613fdd20 elementor-widget elementor-widget-heading\" data-id=\"613fdd20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pay less council tax <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4db47a5c elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4db47a5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You might be able to get money off your council tax &#8211; either Council Tax Reduction or a discount. If you\u2019re on a low income or claim benefits, you might be able to get Council Tax Reduction. Each local council runs its own scheme, so what you can get depends on where you live. You might also be eligible for a council tax discount for example &#8211; if no one lives at the property or you live alone.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2831b797 elementor-widget elementor-widget-heading\" data-id=\"2831b797\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Saving money on your gas and electricity<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-546fcf88 elementor-widget elementor-widget-text-editor\" data-id=\"546fcf88\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You may be able to save money by switching to a better deal with the same provider or switching suppliers. Keep in mind that due to the ongoing energy crisis, there are fewer competitive deals available. Check Money Saving Expert for more information on the options for your energy tariff.<\/p><p>You might also want to think about how you can cut down your energy usage such as by installing insulation, taking quicker showers or using energy-efficient light bulbs. If you\u2019re on low-income or pension credit, you may be eligible for some grants (money off your bills).\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-557b2e7f elementor-widget elementor-widget-heading\" data-id=\"557b2e7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Save money on your water bills<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68077d67 elementor-widget elementor-widget-text-editor\" data-id=\"68077d67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you have a water meter, you\u2019ll only pay for the water you use. Use the Consumer Council for Water calculator to check if having a water meter installed could save you money. If you\u2019re on a low income, you might be able to get a cheaper rate from your water company. This is called a social tariff. You might be able to get help from the Watersure scheme. The scheme caps bills so you\u2019ll never pay more than the average for the area.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-284b9dea elementor-widget elementor-widget-heading\" data-id=\"284b9dea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Saving money on NHS prescriptions (England)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ac4e8d1 elementor-widget elementor-widget-text-editor\" data-id=\"3ac4e8d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you need regular prescriptions, you can save money by buying a prepayment certificate. You\u2019ll pay a fixed price for either 3 (\u00a331.25) or 12 months (\u00a3111.60). This will cover the cost of all the prescriptions you need in that time. You can buy a prepayment certificate on the NHS Business Services Authority website.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4dd80df1 elementor-widget elementor-widget-heading\" data-id=\"4dd80df1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">If you have children in school<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15be428b elementor-widget elementor-widget-text-editor\" data-id=\"15be428b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you\u2019re on a low income or claim certain benefits, you might be able to get help with the costs of sending your children to school. You could get free school meals or school transport. Find out more about getting help with school costs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fc94375 elementor-widget elementor-widget-image\" data-id=\"5fc94375\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/citizensadvicecopeland.org.uk\/wp-content\/uploads\/2024\/12\/Money-and-mind-hub-photo-8.png\" title=\"Money and mind hub photo 8\" alt=\"Money and mind hub photo 8\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3318973 elementor-widget elementor-widget-heading\" data-id=\"3318973\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Save on your broadband, phone or mobile using a social tariff<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57460fe elementor-widget elementor-widget-text-editor\" data-id=\"57460fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Many broadband and phone providers have social tariffs, which offer reduced costs compared to standard rates. You\u2019ll usually need to be receiving specific benefits, like Universal Credit or Pension Credit. Some also offer cheaper rates to older customers, customers who are disabled or have a health condition. The criteria are different across providers, check if you qualify on the Ofcom website.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c046c3a elementor-widget elementor-widget-heading\" data-id=\"c046c3a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Save on your broadband, phone or mobile or TV by switching<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5afab1 elementor-widget elementor-widget-text-editor\" data-id=\"c5afab1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You might be able to save money by switching to a different broadband, phone or TV provider however check your contract to avoid paying an expensive \u2018exit fee.\u2019 Read more about finding a cheaper deal.<\/p><p>Pay less for your TV licence &#8211; If you don\u2019t watch live TV and don\u2019t use services that stream live TV, you might not have to pay for a licence. Check if you have to pay on the TV Licensing website.<\/p><p>There are some concessions or discounts for people aged 74 and over, living in a residential home or are blind. To find out more about the criteria for these discounts visit the TV licence website here TV licence for free or at a discounted rate.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-119a198 elementor-widget elementor-widget-heading\" data-id=\"119a198\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Saving money on travel costs<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-877603a elementor-widget elementor-widget-text-editor\" data-id=\"877603a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You might be able to spend less on travel costs by shopping around for cheaper car insurance, buying a season ticket for the train or bus, applying for a railcard or car-sharing with a work colleague. You might be able to get a bus pass for free travel depending on your age and where you live. <a href=\"https:\/\/www.gov.uk\/apply-for-elderly-person-bus-pass\" target=\"_blank\" rel=\"noopener\">Check if you can get an older person\u2019s bus pass.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-502f73d6 elementor-widget elementor-widget-button\" data-id=\"502f73d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-grow\" href=\"https:\/\/citizensadvicecopeland.org.uk\/wp-content\/uploads\/2025\/03\/Worried-about.-rising-costs-reducing-costs-common-savings.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download the factsheet here!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-788c4aab elementor-widget elementor-widget-image\" data-id=\"788c4aab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/citizensadvicecopeland.org.uk\/wp-content\/uploads\/2024\/10\/Copy-of-project-funder-logos-1.png\" title=\"Copy of project funder logos (1)\" alt=\"Copy of project funder logos (1)\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-673fd58b elementor-widget elementor-widget-text-editor\" data-id=\"673fd58b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><strong>Please see our&nbsp;<a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/contact-us\/\">Contact Us<\/a>&nbsp;page for details on how to access our help.<\/strong><\/h5>\n<h5><strong>You can access help on the&nbsp;<a href=\"https:\/\/www.citizensadvice.org.uk\/debt-and-money\/\">Citizens Advice National website.<\/a><\/strong><\/h5>\n<h5><strong>There are also lots of&nbsp;<a href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/other-sources-of-help\/\">other sources of help<\/a>&nbsp;available locally.<\/strong><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Money Confidence Menu Save money Cutting down on bills Increasing your income Energy Advice Planning for Christmas Budgeting Household Costs Life Skills Money and Mind Hub Money Confidence Resources Pay less council tax You might be able to get money off your council tax &#8211; either Council Tax Reduction or a discount. If you\u2019re on &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/citizensadvicecopeland.org.uk\/index.php\/reducing-outgoings-common-savings\/\"> <span class=\"screen-reader-text\">Reducing outgoings, common savings<\/span> Read More &raquo;<\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_exactmetrics_skip_tracking":false,"_monsterinsights_skip_tracking":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-global-header-display":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"class_list":["post-5226","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.3 - aioseo.com -->\n\t<meta name=\"description\" content=\"Money Confidence Menu Save money Cutting down on bills Increasing your income Energy Advice Planning for Christmas Budgeting Household Costs Life Skills Money and Mind Hub Money Confidence Resources Pay less council tax You might be able to get money off your council tax \u2013 either Council Tax Reduction or a discount. 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