Do you open your post? Did you know that 1 million UK households do not open their bills. We have been through a period of this after I was very ill when money was non existent and I was too scared to open the envelopes as I did not know how I was going to be able to pay them.
Thankfully we are in a much better place now and I make every effort to save as much money as I can and make my money work smarter.
One of the ways to do this is with smart current account like the 123 Current Account from Santander, which gives you cash back on bills that you pay via it.
You pay £2 a month for the account, but you it pays you cashback on bills. I worked out that annually I would get £59 back, which would be £35 profit after paying for the account.
This is making my money work smarter not harder.
Other ways to make your money work smarter include:
How do you make your money work smarter?