Find quick wins in your monthly spending. Enter what you spend per category to see specific, actionable optimisations that could save hundreds per year without significantly impacting your lifestyle.
Most households have £100-300/month in easy optimisations that do not require significant lifestyle changes — just attention. Insurance never shopped at renewal, subscriptions never cancelled, mobile contracts not optimised, energy bills not switched. These are structural, low-effort savings that compound over years into thousands of pounds of additional savings capacity.
| Category | Average Annual Overspend | How to Fix | Effort Required |
|---|---|---|---|
| Insurance (all) | £300–£500 | Shop around at renewal | Low (2 hours/year) |
| Mobile contract | £200–£400 | Switch to SIM-only | Very low (30 mins) |
| Subscriptions (unused) | £200–£400 | Audit and cancel | Low (1 hour) |
| Energy bills | £150–£300 | Switch supplier, reduce usage | Low (1 hour) |
| Food waste | £300–£500 | Meal plan, use freezer | Medium (habit change) |
Structural optimisations beat willpower every time. The highest ROI money-saving actions: (1) Shop around for insurance at every renewal (savings: £150-400/year, effort: 1-2 hours); (2) Switch to SIM-only mobile (savings: £200-400/year, effort: 30 minutes); (3) Audit and cancel unused subscriptions (savings: £100-300/year, effort: 1 hour); (4) Switch energy supplier (savings: £150-300/year, effort: 30 minutes). These four actions alone could save £600-1,400/year for under 4 hours of effort total.