You hear the postman drop off your letters, you notice one that stands out – nooooooooo it’s a utility bill!
Having spent the last 11 months in a flat that has the bills included, I have to say it’s been a welcomed break from seeing a utility bill.
However, a recent survey by icount Money indicated that many Brits are struggling to keep up with the never ending rise in costs.
On the infographic below you can see just how bleak this situation has got for many.
40% of us dread the council tax bill the most, hardly surprising when you consider one in ten have in excess of £300 in arrears.
Council tax is a serious business and can lead to a stay at Her Majesty’s pleasure.
If you have fallen behind with your payments and are in arrears with you council, acting fast is key.
They are reasonable if you make the effort to contact them – as scary a proposition as that may seem.
Arrange a payment plan to pay back your arrears, but be honest with yourself.
Only agree to pay back what you can afford or you will only end up back at square one.
If your arrears have already started to spiral out of control, or you feel you would struggle to pay them back, I would advise you speak to a trained debt adviser – especially if you have received notice of bailiff action.
Related Article : Why You Could Be Over Paying For Council Tax
This is a slightly annoying utility bill for me as we’re still unable to shop around for a cheaper supplier.
Deregulation is on its way to water, however, it will still be a while yet before it reaches domestic customers.
The average annual water bill is now £386, so it is rather worrying that one in ten of us have arrears of £200 or more – that’s over six months worth of arrears on average!
There is one thing you can do to reduce you bills, and that’s cut down on your usage.
It’s not as hard as you think, see the link below for some unbelievable hacks to cut down your water usage.
Related Article: How To Cut Down Your Water Bills
Gas and electricity
In all honesty this is the one I personally used to dread, especially in winter.
I like to be warm, I cannot stand the cold and I’m pretty ruthless with heating when winter hits.
40% of us argue with family about switching on the heating, whilst a third of all those surveyed said they wait until November to switch it on – NO CHANCE!
Now the weather is starting to turn it’s as good a time as any to start looking at ways you can cut down your bill.
If you have found yourself in arrears for any of your utility bills the best advice I can give you is act fast to resolve them before they get out of control.
Make a budget and work out what you have left after all priority debts have been taken care of.
If there is nothing left to tackle your arrears you need to have a look at your budget to see where you can skim and save money on other expenses.
If you feel that your debt is out of control then seek help immediately from a trained debt adviser.
Have you ever had trouble paying a utility bill? Did you find your supplier reasonable when dealing with your arrears?
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