Top Tip – shop around for your current account as you can often get a better deal I myself keep an eye on MoneySupermarket.com for this purpose. There is enough people trying to get money out of you without giving it to the bank for the privilege of banking with them. The only thing to watch is if you have a mortgage they often insist that you have your current account with them to so be careful you don’t contravene the conditions of your mortgage. At date of posting the most competitive is the Abbey.

Top Tip – Make sure you are getting the best deal for your gas and electric as you will use a great deal more than you ever considered. You can use special agents who find the best deals for businesses and it is a free service or you can use the internet. It is worth checking these deals about every 6 months. I would also keep an eye on the phone bill as shopping around generates a number of savings.