Most of us have at least one household bill we stopped looking at months ago. It leaves the bank account every month, the direct debit feels familiar, and checking it gets pushed behind everything else.”

Before autumn, give yourself 30 minutes and check these five.

 The aim isn’t to switch everything. It’s to find the bill where your current deal, renewal or contract date may have left money on the table.

1. Broadband

Check what you pay, when your contract ends and what speed you’re meant to receive.

Ofcom’s postcode checker can show the broadband services available at your Norfolk address, rather than relying on a national advert that may not apply locally.

If your contract is ending, compare available deals or ask your current provider what it can offer.

 A rural address and a town address may not have the same options, so use your own postcode before deciding that a cheaper headline deal is available to you.

Use an Ofcom-accredited price comparison site to find the best deal

2. Mobile phone

Look at the total monthly cost and ask whether you’re still paying for a handset, data allowance or extras you no longer need.

Ofcom supports comparing mobile deals, so an end-of-contract check can show if a simpler tariff would suit you better.

3. Energy

Have your latest bill or account open and note your tariff, unit rates, annual usage and payment method.

 Ofgem says households can choose their supplier and tariff, and switching may save money. It also says to check exit fees.

Thirty minutes is enough to compare your position.

Switch Energy Supplier 

It isn’t necessarily enough to complete a switch: Ofgem says this can take up to five working days. 

Don’t use an unverified autumn price-cap figure to make the decision; compare the rates available when you check.

4. Home or motor insurance

Start with the renewal notice. Check the premium, excess and the cover itself before looking at comparison quotes.

The FCA’s Consumer Panel found that 72% of surveyed home-insurance customers and 80% of surveyed car-insurance customers were offered higher renewal premiums.

It also found that 85% of surveyed car-insurance customers who negotiated obtained a reduction.

Those figures aren’t a promise for your policy, but they’re a good reason not to accept the renewal automatically.

Make sure any cheaper quote still covers what you need.

5. Mortgage

If your fixed deal is ending, this is one bill worth checking early. Find your end date, outstanding balance, current rate and remaining term, then compare the full cost of any replacement deal including fees. We’ve worked through three Norfolk mortgage examples separately if you want to see what a rate change could mean in pounds per month.

Check out more of what to do when your fixed rate ends.

The best 30-minute result may be a note in your diary to get advice or start comparing before the deal ends.

To make the check beneficial, gather your latest broadband, mobile, insurance and energy bills, plus your mortgage deal details if relevant.

Write down the monthly cost, renewal date and contract end date. You’ll quickly see which bill needs action and which one can stay as it is.

If you’re in Norfolk, tell us which bill was hardest to compare and what information was missing.

 A postcode, renewal notice or provider change that made the difference could help shape a follow-up guide.