Mum explains how she saved £912 by canceling just three bills – and so can you


Lynn Beattie, who runs Mrs Mummypenny’s financial blog, is a master at cutting her bills. Here she explains how to get the best deals and save a fortune during the cost of living crisis

Lynn Beattie runs Mrs Mummypenny's blog
Lynn Beattie runs Mrs Mummypenny’s blog

Every few months I go through my most important bills and direct debits to streamline what I can cancel and where I can get a better deal.

I would like to share with you what important bills I kept, how much I got and what I pay to compare with yours.

Can you withdraw your most important bills to save some money?

Just to qualify my housing arrangements for bill comparison purposes, I live in a four bedroom semi detached house and am a single mother with my three children who are with me 50% of the time.

Can you switch or make some calls to cancel your important monthly bills or cut costs? Let us know in the comments below or email

Cancel the non-essential bills – £912

Run through your bills and see where you can save


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These creep in, free trials you forget to cancel, or services you aren’t worth.

Go through your list of monthly bills and be strict, cancel the ones you don’t need.

In recent months I’ve canceled Amazon Prime (£7.99), Disney+ (£7.99) and Mindful Chef’s bi-weekly recipe boxes (£60 per month).

Those three cancellations alone saved me £76 a month or £912 a year. It really pays to be strict and cut out what you don’t need.

Our cost of living Team of experts is here to help YOU through a very difficult year.

They bring you the latest money news and also offer expert advice.

Whether it’s skyrocketing utility bills, the cost of weekly groceries, or increased taxes, our team is always by your side.

Every Thursday at 13:00 they participate in a Facebook Live event to answer your questions and offer their advice. visit watch. You can read more about ours team of experts here.

If you have a question or would like to share your story, please contact us via email

Get the best deal on important bills – save £100


Let’s start with the bill everyone is talking about. I pay £165 a month with Octopus Energy. This increased from £102 per month from April.

Check if you have a credit on your energy bill, if so you have a case to reduce your monthly debit.

Also, be sure to record a March 31st metric to ensure your usage is billed at the lower rate before the price cap increases on April 1st.


My water debit is £28 per month. I have a water meter and only pay for the water I use.

We do as much as we can to conserve water, as I mentioned in my article from earlier this year.

There are simple things you can do to lower your water bill, such as: B. Reduce your shower time and see if you can apply for free energy saving devices.

council tax

I live in a Band D property in Hertfordshire and have a 25% discount for individuals.

My council tax is £156 per month (for ten months).

Look at the mirror Municipal Tax Advisor to see what discounts and rebates you might be entitled to.

broadband and television

I have basic broadband with Virgin and pay £25 a month.

I change my broadband every 12 to 18 months depending on the contract to benefit from better new customer offers and additional cashback benefits.

Switching from EE to Virgin Broadband recently got me an extra £105 in cashback via TopCashback, saving me £30 a month.

I haven’t connected any TV packages to my broadband account even though I have one Netflix Account costs £9.99 per month.


I have an older phone without a contract. This allowed me to switch to a sim only plan.

This has saved me a whopping £30 a month, I’m currently paying £18 a month.

There’s currently a good deal on a 30GB sim-only contract with Three Network for £8 a month through TopCashback, which also gives you £42 cashback.

Car insurance and home insurance

I have chosen to pay for my home insurance in full once a year, this way I avoid the additional expense of paying monthly, which is often the case with home and auto insurance.

My home insurance is compared and changed every year, although my renewal this year was the best value. My policy is £130 per year.

I switched my car insurance to pay-as-you-go with By Miles.

This will save you money if you’re a low-mileage driver and drive less than 8,000 miles a year.

I paid a smaller upfront fee of £160 a year (I drive a four year old Toyota Hybrid CHR) and then pay 3.1p for every mile driven.

Usage-based car insurance saves me around £50-£100 over the course of a year.

life insurance and income protection insurance

I also have these two policies to protect my income when I’m sick and unable to work, or policy to pay off my mortgage when I die.

These insurance policies give me security and protection and I would not cancel them. These insurances cost £50 per month.

My total essential bills per month are around £500 per month. How do these compare to you?

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