We all hate spending money - but what do we resent most?

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How cross are you about the rising price of Freddo chocolate bars? Or organic food?

With prices rising faster than they have for years, our disposable income is falling. More than a quarter of people say that they have to be deliberately frugal when it comes to buying essentials, if they're ever to be able to treat themselves at all.

SEE ALSO: Food prices rise at fastest rate for more than three years

SEE ALSO: What does inflation mean for you?

It's all about getting value for money - so which products and services leave us feeling ripped off?

According to a survey from utility comparison site Make It Cheaper, train tickets are seen as the worst value thing we have to buy - nearly six in ten people think they're overpriced.

That's hardly surprising, given that the cost of tickets has gone up by a quarter since the mid 1990s, even when allowing for inflation. This year alone, they're up by an average of 2.3%.

Meanwhile, a quarter of all Brits think fresh food is poor value for money, while only 17% feel the same about store cupboard food, and 21% about confectionery.

It's one reason, perhaps, that those struggling financially often pick cheap but nutritionally poor foods such as biscuits, crisps and cereal when feeding the family.

Entertainingly, though, the survey respondents were pretty fired up about the cost of a Freddo chocolate bar, which has gone up from 10p to 25p over the last two decades, and is forecast to rise to 30p by 2030.

When it comes to household bills, council tax is the most resented - more than half of people think it's too much - followed by electricity and gas bills.

Interestingly, though, only 7% think their monthly student loan repayments are overpriced, and just 13% of the UK feel their national insurance costs too much.

"Mandatory bills with no choice of providers, such as council tax, can be infuriating as consumers have zero control over when and how much they pay," says Nick Heath, head of energy insight at Make It Cheaper.

"Shopping around to get the best deal on utility bills, as well as groceries and other consumer goods, can save a decent amount of money each month. For utility bills, we recommend switching, or at least comparing providers, once a year to help combat company price increases."

What do people think is the worst value for money?

Train tickets (58%)

Rent (56%)

House prices (54%)

Parking costs (51%)

Petrol (47%)

Energy bills (45%)

Designer clothes (45%)

Car insurance (42%)

Organic food (39%)

Income tax (36%)

Most outrageous bill mistakes
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Most outrageous bill mistakes
Carol Sandford, 72, called 118 118 from her mobile phone unaware of the charges involved. Calls to the number cost £1.88 per call and there is also a £2.57 per minute charge from landlines. TalkTalk raises this to £5.68 for the first minute and £3.28 per minute after that. TalkTalk told Carol the charge £81.12 charge was correct but luckily 118 118 were kinder, offering to repay the charge in full. Read the full story here.
One Londoner was more than a little confused when his debit card was declined while he was trying to buy just six bottles of American craft beers. But he quickly realised that instead of the £22.30 he owed, he had been charged £223,000! It's thought he punched in the PIN number before the machine was ready and it added the numbers to the total. Luckily the 28-year-old saw the funny side and laughed the incident off. Read more on the story here.

Early Lewis from Detroit was amazed to find his water bill was almost 100 times as much as he was expecting. The bill claimed that Lewis had used 3,740 gallons of water in just one hour. Thankfully common sense prevailed and the Water and Sewage Department admitted it was a mistake and subsequently charged Lewis the $36 he should have been charged initially. Read more on this story here

George MacIntosh, 73, was charged a staggering £200 for premium-rate gambling texts he didn't intend to sign up for. Unfortunately this wasn't a scam but a legal service from a company called Zamano. It seems the retired vicar had accidentally signed up after responding to an initial text from the company. Read the full story here.
Philip Groves was amazed to receive a £1,411 bill from Vodafone last year for his 10-year-old daughter Trinity's phone. It turns out Trinity had watched 28 hours of instructional loom band videos on YouTube, assuming her phone was using wifi. But the wifi had cut out, leaving her phone using the data allowance at it's highest rate. Vodafone refused to cancel the bill and threatened legal action. Read more here
Daniel Pontin was in for quite a shock after opening a gas bill charging him £31,000 for a year's worth of gas in a one-bedroom home. Pontin claimed his meter was broken when he moved in and was initially charged £35 a month for six months before he stopped receiving bills. When the huge £31,000 estimated bill arrived Npower told Pontin to ignore it while they investigated. Read the full story here

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