Top tips from Martin Lewis on how to save money on bills

Brits could be saving £1m every 30 seconds

Martin Lewis money advice

He is the man millions rely on for advice about money and has saved families a fortune over the years. During last night's live hour-long TV show – he wanted Brits to save £1m every 30 seconds - raking in savings of £120 million during the show.

See also: Piggy bank vs real bank - where do your savings go?

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The MoneySavingExpert urged viewers to get online for better deals on everything from energy and mobiles to credit and TV contracts.

Martin has suggested 10 of the best ways to save thousands...

Energy bills
Saving: £240 a year

Someone web-savvy can make the switch in as little as 4 minutes 27 seconds and a typical person saves £240 a year by switching supplier. Now, if I offered you £240 for less than five minutes of work, you'd probably ask me: do I have to take my clothes off? Just go to, input your details and it will take you through switching step by step (though it won't work in Northern Ireland). For step-by-step help watch the show tonight which is all about energy and switching.

Saving: £500 a year

If you have at least as many bedrooms as people in your home, having a water meter attached to your property will probably save you money in England and Wales (there are different billing arrangements in Scotland and Northern Ireland). Meters are free to fit and savings can be as high as £500 a year. Visit the Consumer Council for Water's website at to see what savings you could make.

Saving: Up to £360 a year

If you currently pay for TV from a company such as Sky ask: do you need all those channels? Cutting some could instantly save you a lot of money. Also, at the end of your contract get on the phone and tell them it's too expensive and you'll leave them if they don't make it cheaper. The key trick is to tell them you'll leave if not, then you get put through to what they tell us is called "disconnections" but internally is called "customer retentions" where they have much more room to haggle over price. Some save £30 a month.

Credit cards
Saving: £1,000 or more

There are so many companies offering 0% on balance transfers that, if you currently have debt on credit cards that make you pay interest, you should seriously consider switching. It means your money will actually pay off your debt rather than just service the interest. The big question is: will you be accepted for a balance transfer card? Find which cards you're most likely to get via the balance transfer eligibility calculator at it could save you thousands.

Saving: £1,000s a year

Mortgages are at all-time low rates with some fixes below 1% – but there's a worry things will soon change. So this is the perfect moment to check if you can cut your existing costs, especially if you're on the lender's standard variable rate. For every 1% you cut off the rate, you save £80 per month on a £100,000 mortgage. To find the best deals use – then find a broker to help acceptability via VouchedFor or Unbiased.

Mobile phones
Saving: £300 a year.

There are so many savings to be had here. If you're getting a new phone and contract, and you have the cash, buy your phone upfront and get a cheap sim-only deal from someone like Giff Gaff or Three. It's usually much cheaper. Plus, to find out the right tariff for your usage, go to a website like or which log into your account and find you the right tariff. If you're paying more than £15 a month (excluding handset cost) ask yourself why?

Breakdown cover
Saving: £50-100

Haggling doesn't just work with mobile phone companies or your TV provider, but if you have breakdown cover you might be able to push them down on the price when it comes time to renew – 88% of people who haggled the AA for a discount and 86% who did the same with the RAC got the cost of their cover reduced, a few on big policies by £100. Or check out AutoAid where, for £43 a year you can get your policy including home start and onward travel for you and your spouse.

Saving: £200+

If you use your overdraft check how much you're being charged, some are up to £3 per day. Yet First Direct offers a 0% overdraft up to £250, and Nationwide have a one-year overdraft sometimes for more (depends on credit score) which hopefully will be enough time to clear it. Or use a 0% credit card called a money transfer to shift debt for up to 32 months. It's tricky though. Get help at

Council tax
Saving: Up to £5,000 back

Some 400,000 homes in England and Scotland are in the wrong council tax band. Correct it to make an instant saving –and your "overpayment" could be backdated as far as 1993. Check if you are in a higher band than your neighbours in similar properties. You can do this Yet this isn't enough – theirs may be too low and you don't want theirs bill put up (not a recipe for popularity). Also check what your home was worth in 1991 – what counts for bands. Find help and a free tool on that at

Motor insurance
Saving: £500+

Prices are up 16% this year, and likely to rise. Use two or three comparison sites for the widest search and add and (ones they don't check). If it's not renewal time but the saving is huge you should be able to cancel your policy for a £50-ish admin fee (if you haven't claimed) and get a refund for the rest of the year. You won't earn this year's no claims bonus though.

Most outrageous bill mistakes

Most outrageous bill mistakes

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