I'm a little embarrassed about this but finally sat down tonight with thd laptop, glass of wine and husband and went through all our direct debit, insurance etc...
We have slashed £160 a month just by combining pet insurance ( 4 separate covers to one multi pet.., changed broadband provider, cancelled a couple of small £5-10 covers we had for stuff that was covered under our bank benefits...
Dead pleased to save that but a bit eeeek that we have paid out so much when we could have cut it all down months or years ago!
No real point to this other than it really is worth doing if you a lazy sod like me....