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...
Unison warning MPs on regional pay

Unison leaders are warning MPs over the dangers of regional pay and conditions for NHS workers
Health workers believe that plans to introduce regional pay and conditions would have a "devastating" impact on their lives, according to a report.
A survey by Unison of 1,000 NHS employees in the South West showed virtually everyone was concerned about the prospect of pay cuts, increased hours and performance-related pay under plans by a group of 20 health trusts in the region.
Unison said some of those surveyed would have to cut down on essentials such as food, and might not be able to pay their mortgage, if their wages were cut following years of having their pay frozen.
The union will brief MPs on the "dangers" of introducing regional pay and conditions.
Christina McAnea, Unison's head of health, said: "We know that health staff across the country are under incredible pressure. This survey shows that the South West pay cartel's plans could push health workers in the region to breaking point.
"Some of the responses to our survey were heartbreaking. Health workers are worried for themselves, their mental health and their finances.
"They are worried about the impact on their families, but also what these changes would mean for their patients.
"In our briefing with MPs we will be warning that these plans not only contain risks to the smooth delivery of services to patients, but are also deeply unpopular politically. We will be urging them to put pressure on the trusts in their areas to put a stop to these damaging plans."
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.



