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It is a good idea to try to work out which living costs are a priority for you. Priorities are items that you consider most important and that you must pay. For many people the priorities are shelter, food and clothing. Any leftover money is used for things such as getting around and going out etc. There are schemes available to help you organise your priority living expenses and to help reduce the burden of needing to find large sums of money at short notice. The beauty of using these schemes for priority expenses is that you know that any money you have left over is available for non-priority items. Utility (gas, water and electricity) companies are obliged to provide their customers with payment arrangement options. This includes paying accounts by regular instalments instead of needing to find all the money when the bill arrives. These accounts are called 'Easyway plans' and have the advantage of allowing you to spread the cost of bills over a year, which is useful if your winter accounts are higher than your summer accounts. The provider of the 'Easyway plan' usually agrees not to disconnect you, provided you meet all the instalments on time and the instalments realistically cover your usage over a year. |
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