Our Story
We started Helpcutcosts.com because we were tired of watching people overpay.
Too many hardworking households are quietly haemorrhaging money — on tax allowances they never claimed, subscriptions they forgot they had, and energy bills they never switched. We built Helpcutcosts.com to fix that.
Where it began
Helpcutcosts.com was founded by a team of financial professionals who spent years working in banking, tax advisory, and consumer finance. We kept seeing the same pattern: ordinary people paying far more than they needed to — not through any fault of their own, but simply because no one had ever sat down and shown them the full picture.
The financial services industry is designed to be complicated. Mortgage lenders quietly move customers onto expensive standard variable rates. HMRC allowances go unclaimed because the forms are confusing. Subscription companies make cancellation deliberately difficult. We decided to be the antidote to all of that.
Our model is simple: one fixed fee, one honest conversation, and a clear action plan that puts money back in your pocket. No commissions. No ongoing charges. No agenda other than your financial wellbeing.
Our approach
Every consultation starts with listening. We want to understand your full financial picture — your income, your outgoings, your family situation, your goals — before we make a single recommendation.
From there, we work systematically through every area where savings are possible: your bills, your tax position, your subscriptions, your entitlements. We don't just look for the obvious wins — we dig into the details that most people miss.
At the end of every consultation, you receive a written action plan with clear, prioritised steps. We tell you exactly what to do, in what order, and what to expect. You leave with a roadmap, not just a conversation.
Why People Trust Us
Built on honesty and results
Fully Confidential
Everything you share with us stays private. We never share your financial details with third parties.
Hundreds Helped
We've helped hundreds of UK households identify savings they never knew existed.
Quick Results
Most clients implement their first saving within days of their consultation.
Fixed Consultation Fee
£80 consultation fee. A £120 success fee applies only if we identify verified savings above £500. No other charges.
Our Commitments
What we promise every client
- We only recommend strategies that are legal, HMRC-approved, and genuinely in your interest
- We never earn commission from product recommendations — our only income is your consultation fee
- We explain everything in plain English, not financial jargon
- We treat every client's situation as unique — no cookie-cutter advice
- We follow up with a written action plan so you always know what to do next
Common Questions
Frequently asked questions
Do I need to be in financial difficulty to use Helpcutcosts.com?
Not at all. Most of our clients are working households who simply want to make sure they're not overpaying. Whether you're comfortable but curious, or feeling the squeeze, we can help.
Is the £80 fee a one-off payment?
The £80 consultation fee is a one-off upfront payment. A separate success fee of £120 applies only if we identify verified annual savings above £500. If your savings don't exceed that threshold, you pay nothing beyond the initial £80. There are no ongoing fees, no subscriptions, and no commission on anything we recommend.
How does the online consultation work?
After booking, you'll receive a confirmation with a video call link (Google Meet or Zoom). Before the call, we'll ask you to complete a short financial questionnaire so we can prepare. The consultation itself lasts around 60 minutes.
How much could I realistically save?
It varies enormously depending on your circumstances. Some clients save £200/yr; others save over £3,000/yr once tax, benefit, and energy changes are factored in. The average across all our clients is around £1,200/yr.
Are you regulated financial advisers?
Helpcutcosts.com Consultancy provides financial guidance and education — not regulated financial advice. We help you understand your options and identify opportunities, but we always recommend you verify any significant financial decisions with a regulated adviser or HMRC directly where appropriate.
Ready to find out how much you could save?
Book your £80 online consultation today. Most clients save far more than the fee in their very first month.
Book Your Consultation — £80Secure online payment · Video call · Appointments available this week