Save money every month of the year

September

Switch utility providers

With fuel costs soaring, make use of any potential savings on these bills. You can save an average of £200 a year by switching your gas and electricity supplier to a better rate, according to uswitch.com, the price comparison site. Free comparison services, such as energyhelpline.com, will help you find the best price.

If you already know which supplier you want to swap to, phone them, tell them you want to change, and then give 28 days' notice to your current supplier. The switch should take less than six weeks.

‘With approximately 14,000 tariffs on the market, it's important for consumers to check regularly that they're on the best tariff for their level of consumption', says Gareth Kloet from confused.com.

Potential annual saving: £200+

Good time to buy: A laptop. With computers now commonplace in schools, electrical retailers offer back-to-school savings.