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By checking your bills regularly, you might save some time and money. Follow our guide for tips that may help you.
Some companies will let you select the date your payment is due. Phone whoever you're paying and check if you can change your payment date. There may be a date that suits you better.
It may be helpful to have your bills come out on the day you get paid. If you get paid weekly, try spreading out payments over the month.
You can keep track of what payments you have due, by checking your upcoming payments within the app.
Depending on the type of bill, sometimes you can make a one-off payment each year. For example, you could pay your car insurance or road tax yearly, which could result in you paying less overall.
We've got more budgeting advice to help you manage your money.
A Direct Debit tells your bank or building society that a business or service can collect monthly or one-off payments from your account on a set date. The company will let you know the amount you need to pay.
A standing order is a way to make regular payments from your account. You can use this to pay a person, a company or to move money between your own Bank of Scotland accounts. You can set up a standing order through Internet Banking or our Mobile Banking app.
If you prefer, you can make one-off payments over the phone or online. If you need to make a payment by a set date, make a note of the due date or set a reminder.
It is always worth taking time to check the price you are paying is a fair deal. You can do this by using price comparison websites. Check the price you are paying is reasonable or maybe search for a better deal.
If you have an agreement that is coming to an end, for example, your gas, electricity or broadband provider, you may be able to find a better price.
Independent money advice services, including MoneyHelper, have advice on using comparison websites. They also have tips and advice on how you could reduce your bills.
Make a list of all your bills and payments, how much they are and when they are due. Make sure you include your mortgage or rent payments, mobile phone costs and utility bills. Use an average cost of your last three bills, if your bills differ each month.
If you bank online, spending insights can help you. It gives you a breakdown of where your money goes and will tell you the categories of spend. This helps you spot spending patterns and where you might be able to make some savings.
Mobile Banking: Mobile Banking is available to Internet Banking customers. We don’t charge you for Internet Banking but your mobile phone provider may charge for some services. Please check with them. Phone signal and functionality may affect services. Terms and conditions apply.
Mobile Banking app: Our app is available to Internet Banking customers with a UK personal account and valid registered phone number. It’s only available to iPhone and Android users. Minimum operating systems apply, so check the App Store or Google Play for details. Our app does not work on jailbroken or rooted devices. You must register your device.
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