Energy, council tax, water, broadband — the bills add up quietly. This free report lays out a clear, one-page way to see your household budget before you switch provider, sign up to anything, or book a paid consultation.
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Is this bill still necessary, or has your household's situation changed since you first signed up?
Have you checked whether you're entitled to a discount or a scheme you're not currently using?
Could combining two similar contracts with one provider reduce what you pay in fees?
Household finances get messy because income, bills, savings, debt, insurance and everyday spending all live in different places — a banking app here, a paper bill there, a subscription you forgot about somewhere else. A clearer overview makes it easier to compare offers, and just as easy to turn one down.
The report starts with a simple overview of regular income, fixed commitments, variable spending, savings and upcoming payments. The goal isn't perfect bookkeeping — it's a clear starting point.
Build a one-page household overview: income, fixed costs, savings goals, debt and irregular spending.
A regular check-in reduces the mental load of carrying every financial decision around in your head.
Judge providers and accounts against your household's actual behaviour, not a marketing feature list.
A short section on medium-term planning — without pretending to predict the future.
Income, commitments, savings, debt and irregular costs laid out clearly.
What's changed, what's due, and what needs attention before it becomes urgent.
Fees, contract length, support and exit terms — before you respond to any offer.
Upcoming life events and larger costs worth flagging early — no product picks.
We'll email you the report as a PDF. No credit card, no account, no upfront payment.
Yes. The PDF report is provided free as part of an advertising-funded service. No payment or card details are required at any point.
Only if you tick the separate, optional box on the form. These updates are clearly labelled as advertising and always include an unsubscribe link.
No. PearlWise provides general educational content only, not personalised financial, tax or legal advice. If you need advice tailored to your circumstances, speak to a qualified, FCA-authorised adviser, or contact MoneyHelper — the UK's free, impartial government-backed money guidance service — at moneyhelper.org.uk.
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