I used to live in a world where customer loyalty was key - I always felt that existing customers were the most important and treated them accordingly - sadly this is no longer the case. 

From energy to insurance, tv subscriptions to phone contracts, broadband deals to banks - all the big companies treat their existing customers as cash cows with all the best deals and offers going to new customers. 

Fortunately I now have the time to query each and everyone of these and albeit meaning occasional inconvenience I have saved thousands over the last couple of years.  It’s interesting that when you inform these companies that you want to cancel their service you don’t get passed to their “cancellation” department but to their “Customer Retention” one.

The only regular payment I haven’t managed to reduce is Council Tax 😞