Household Bills Checklist: Every Contract, Date and Renewal to Keep Track Of

Most households pay for more things than they can list from memory, and the expensive moments are the dates nobody was watching: a broadband contract that rolled onto a higher price, an insurance policy that renewed on autopilot, a subscription still going out for a service nobody uses. This is the list, and a way to keep it.

The home

• Rent or mortgage: payment date, and for a mortgage the date any fixed rate ends.
• Council tax: annual bill, usually paid over ten or twelve months.
• Water: metered or fixed, billed by the regional company.
• Home or contents insurance: renewal date.

Energy

• Gas and electricity: supplier, tariff, and the date a fixed tariff ends.
• Meter readings, if not smart.

Connections

• Broadband: contract end date and the price it moves to afterwards.
• Mobile: contract end date for each line; SIM only plans may be rolling.
• TV and streaming: any minimum term, and whether each is still watched.
• Landline, if you still have one.

Vehicles

• Car insurance: renewal date.
• Breakdown cover: renewal date.
• MOT and vehicle tax: due dates.
• Finance or lease: end date.

Everything else

• Subscriptions: software, gym, deliveries, memberships.
• Travel insurance, if annual.
• Pet insurance, if you have it.
• Anything paid by direct debit that you could not name in ten seconds.

The habit that matters

For each item, the two facts worth having are what it costs each month and the date something changes: a contract end, a renewal, a fixed rate ending. Reviewing a service a month before that date is when the options are widest. Reviewing it a month after is when the price has already moved.

How Wisemium helps

Wisemium is an Intelligent Financial Manager. Add each bill, contract or subscription, by uploading the document or entering the details, and it keeps the cost and the date on record, watches the dates that matter, and shows you what needs attention and what does not. When something does need action, it shows the options it lists or hands you to a relevant partner. You do not need to connect a bank account to start.