Well, after a few phone calls here and there, I have managed to save this coming year on my gas and electric and car insurance too.

Just gone onto Uswitch and have changed my gas and electric supplier from British Gas to British Gas and will be saving £22 a month. Yes, it can go up or down, but it's a cheaper unit rate and standing charges, and it is fixed for 1 whole year too.

The car insurance went up another £56, and after another few phone calls I had managed to get it cheaper than last year - and with the same supplier.

Now it's time to spend all this money I have saved on a holiday.