I've started using an app called Yolt to track my spending v income and it's focussed my mind on what's going out of my account. I'm spending £125 per month on Virginbroadband/Sky TV. I'm probably paying for a phone line in this too but it doesn't work to receive calls and I have no home phone number. There must be better/cheaper options . Trouble is the broadband is fibre and it's quick and I do watch a lot of random channels on Sky not available on terrestrial. Any suggestions for how to cut it down ? I also pay for Netflix & Spotify. It's ridiculous money.