What We Cover
Every area of your finances, reviewed
In a single £80 online consultation, we work through every area where you could be paying too much — from your energy bills to your tax allowances, and everything in between.
Energy & Bills
Energy prices have soared, but many households are still on poor-value tariffs. We review your gas, electricity, broadband, water, and insurance bills — and identify every switching opportunity available to you right now.
- Energy tariff comparison and switching guidance
- Broadband & phone contract review
- Home & car insurance renewal strategy
- Water meter assessment (could save you money)
- Council Tax band check — many homes are in the wrong band
Mileage Allowance Claims
If you use your own vehicle for work purposes — visiting clients, travelling between sites, or any business journey — you may be entitled to claim HMRC's Approved Mileage Allowance Payments (AMAP). Many employees and self-employed individuals are unaware of this relief or are underclaiming.
- Calculate your eligible business mileage for the current and previous tax years
- Identify whether your employer is paying the full HMRC rate (45p/mile)
- Claim tax relief on any shortfall through your Self Assessment or P87 form
- Review mileage records and help you set up a simple tracking system
- Assess electric vehicle mileage rates and advisory fuel rates
Tax Planning
Effective tax planning is not just for the wealthy — it's for anyone who wants to keep more of what they earn. We review your tax position and identify legal, HMRC-approved strategies to reduce your annual tax bill.
- ISA allowance maximisation (£20,000/yr tax-free)
- Pension contribution planning to reduce taxable income
- Capital Gains Tax annual exemption utilisation
- Dividend allowance planning for company directors
- Salary sacrifice schemes (cycle to work, electric cars, childcare)
- Self-employed allowable expenses review
Child Benefit Review
Child Benefit is worth up to £25.60/week for your first child and £16.95/week for each additional child — but the High Income Child Benefit Charge (HICBC) means many families either opt out unnecessarily or pay back more than they need to. We review your household income and help you optimise your position.
- Check whether you're claiming all Child Benefit you're entitled to
- Review the High Income Child Benefit Charge threshold for your household
- Identify pension contribution strategies to bring income below the £60,000 threshold
- Advise on the best approach for couples where one partner earns over £60,000
- Ensure you're registered for National Insurance credits if not working
Tax Allowances
The UK tax system contains dozens of allowances and reliefs that go unclaimed every year. We systematically check every allowance that could apply to your situation — many of which can be backdated up to four years.
- Marriage Allowance — transfer unused Personal Allowance to your spouse (worth up to £252/yr)
- Blind Person's Allowance — additional tax-free income for those registered blind
- Working from Home Relief — claim £6/week tax relief if working from home
- Uniform & Flat Rate Expenses — for employees in qualifying occupations
- Professional Subscriptions & Union Fees — tax relief on work-related memberships
- Rent a Room Relief — earn up to £7,500/yr tax-free from a lodger
Shopping Vouchers & Cashback
Most people leave significant money on the table when shopping online and in-store. We show you how to stack cashback, vouchers, and loyalty points to reduce your everyday spending without changing your lifestyle.
- Top cashback platforms and how to use them effectively
- Supermarket loyalty scheme optimisation
- Discount code stacking strategies
- Cashback credit cards (used responsibly)
- Seasonal sale timing and price-tracking tools
Subscription Audit
The average UK household spends over £900/yr on subscriptions — many of which are forgotten, duplicated, or simply not used. We audit every recurring charge on your bank statements and identify what to cut, downgrade, or renegotiate.
- Full audit of all direct debits and recurring card payments
- Identify forgotten or unused subscriptions
- Find cheaper alternatives for services you want to keep
- Renegotiation scripts for retention deals with providers
- Set up a simple subscription tracker to stay in control
Bespoke Savings Ideas
No two households are the same. After reviewing all the standard areas, we dig deeper into your specific circumstances — your income, family situation, property, employment, and goals — to find savings opportunities that are unique to you.
- Personalised review based on your full financial picture
- Identify any government grants or schemes you may qualify for
- Review benefits entitlement (many working families miss out)
- Side income opportunities and tax-efficient ways to earn more
- Bespoke action plan with prioritised next steps
Further reading from our blog
All of this — in one £80 consultation
Book your online appointment today and walk away with a personalised action plan covering every area above that applies to your situation.
A £120 success fee applies only if we identify verified annual savings above £500 — so if we don't find significant savings, you pay nothing beyond the consultation fee.
Book Now — £80Secure online payment · Video call · Appointments available this week