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...
Messy bedrooms 'hit house prices'

A survey found that two in five prospective buyers would be put off a house if it had a messy child's bedroom
A messy child's bedroom can knock thousands of pounds off the price of a house, a new study has suggested.
A survey of more than 1,000 adults by mortgage provider ING Direct found that two out of five prospective buyers would be put off a property if it had an untidy boy's or girl's bedroom.
Many said they would use it as an excuse to negotiate a lower price for a house.
Traces of pets, smelly bathrooms, overgrown lawns and grubby kitchens also had an impact on buyers' impressions of a house, said the report.
ING Direct chief executive Richard Doe said: "Parents aiming to sell their home should bear in mind the impact an untidy kid's room could have on any offers.
"Even if the mess doesn't completely dissuade a buyer, it seems that it certainly impacts on the price they'd be willing to pay - so kids keeping their rooms spic and span could really pay off."
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