Signing up to an annual direct debit payment plan from your energy supplier is supposed to help prevent bill shock as your payments are spread equally throughout the year. But it might not work like that...
Managers' skills 'not up to job'

A shortage of skilled managers is a concern for many businesses, research has shown
Most firms believe low levels of management skills are having a negative impact on their business, according to new research.
A study of 750 organisations by the Institute of Leadership & Management found that more than nine out 10 feared they were at risk of being held back by a shortage of skilled managers.
Fewer than one in five of those questioned said they expected managers to have received management training before being promoted.
Charles Elvin, chief executive of the Institute of Leadership & Management, said: "The UK needs to address the current shortage of management and leadership skills revealed in this survey in order to compete on the international stage.
"Now more than ever, businesses should be investing in leadership and management development at all levels to ensure strong business performance and effectiveness.
"They need to consider the personal qualities of managers as well as their technical skills, helping them become more innovative, inspirational and emotionally intelligent in order to prepare them for the demands of 21st century leadership."
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