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...
NHS trusts slammed over pay plans

A group of NHS trusts has been accused of making 'short-sighted' plans to introduce regional pay and conditions
A group of NHS trusts has been accused of making "short-sighted" plans to introduce regional pay and conditions which would "undermine the national ethos of the NHS".
The British Medical Association (BMA) said the 20 trusts in the South West which plan to fix the pay, terms and conditions of health workers in the region would also waste resources and could make it harder for some areas to recruit high-quality staff.
Proposals put forward include cutting pay and increasing hours.
In a new paper, the BMA describes the measures as "short-sighted", saying they could lead to demoralised staff and an increase in regional variations in quality of care.
Dr Mark Porter, chair of council at the BMA, said: "If this initiative is allowed to go ahead, other regions are likely to follow suit, taking us further away from a truly national health service.
"We do not want to see skills drain away from certain areas of the country, particularly in more remote regions.
"This is a distraction from serious attempts to address the massive financial challenges facing the NHS.
"Instead of wasting resources on short-term measures for which there is no evidence, and that will only serve to demoralise staff, we should focus on ways to genuinely improve efficiency and quality."
related stories on msn
latest money videos
more on msn money


The iconic Cotchford Farm in East Sussex goes up for sale for £2 million.

We look at which option will bag you a nicer home in a better neighbourhood.

Whether you have credit card debts or an overdraft or a stack of store credit, you can get back in the black for very little cost.

Because the sun has to shine eventually...

Nearly half of UK households say that they would struggle to cope if their monthly outgoings rose by £99. We look at how you can create some financial 'breathing space' to help you out if you lose your job or become ill.

Avoid these mistakes if you want to lead a richer life!

Save regularly to nab a leading easy access ISA rate from Newcastle Building Society and the chance to earn up to £1,000 cashback.

Barclaycard is now offering a record 27 interest-free months to pay off your debts.

The taxman says three and a half million people are due a refund, but two million will have to fork out for underpaid tax.

Fed up with low savings rates and high borrowing rates? As Dave Fishwick and his Bank of Dave has demonstrated, there are other options out there.

If you want to find a unique property bargain, there is plenty of help available online - you just need to know where to look.



