Simon Lambert

Or do they look like a hodgepodge of stuff that you've picked up over the years and is just a bit random?

And could you do something to sort that out?

Are you paying too much for your bills, for example?

Could you still fix your energy bills?

And then you'll know how much you're going to be paying and potentially you're not really going to be paying any more than you are paying now.

Mortgages, I think, is an obvious one.

I like to think that there aren't any people listening to this podcast who are paying their standard variable rate because they just didn't bother to remortgage.

But just in case there are any of them doing that, then do do something about your mortgage.

This is potentially costing you a very large amount of money.

There might be a good reason to be on an SVR for some people.

But if you've just accidentally fallen onto it because you didn't bother to remortgage, do something about it.

I think it's more likely there's going to be lots of people listening to this who know their mortgage is coming up for renewal this year and are looking.

There was a figure this week, I think, that on average people are going to end up paying £395 a month more.

Last September, I started paying about £400 a month more for my mortgage than I was paying before.

It's really annoying, just to be clear.

It's really annoying.

I would describe it as like car tax, for example.

You have to pay for your car tax.

You still have your car.

Your car does not drive any better.