Start by comparing recurring bills such as electricity, gas, internet, mobile plans, insurance and loan interest, as small differences can add up over time. Check the total annual cost, fees, contract terms and what is included, rather than focusing only on an introductory price. Use independent comparison tools where available, then confirm the details directly with the provider before switching. For energy, the government’s Energy Made Easy website can help compare plans, while insurance and financial products should be checked with the relevant provider or a licensed professional.