Good morning, Demo Coffee Shop
March 2026 · 8 active bills · £1,240/yr savings available
Monthly Total
£1,371.49
8 active bills
↑ 1.7% vs last month
Potential Savings
£1,240/yr
3 opportunities
£103/month overpaid
Next Renewal
45 days
Aviva Insurance
Action recommended
Annual Projection
£16,458
Based on current bills
↑ 4.2% vs last year
💡
Save £840/year — switch your energy from British Gas to Octopus Business. Contract ends Sep 2026.
View deal →
⚠️
Biffa Waste has increased 12.5% this year — you're paying £14/month more than last year.
Compare →
Your Bills — March 2026
British Gas
£342.50
↑ 8.2%
£338.20
£4,110
1 Sep 2026
£272.50/mo
Hackney Council
£485.00
↑ 3.8%
£5,820
£18,500
Check SBRR
Standard rate
Aviva Insurance
£156.00
No change
£1,872
£134.30/mo
1 May 2026
45 days
Biffa Waste
£112.00
↑ 12.5%
£99.55/mo
£1,344
+£14/mo
~£88/mo
Total Monthly
£1,371.49
£16,457.88 / year
Spend Breakdown
Rates35%£485
Energy25%£343
Insurance18%£245
Waste8%£112
Water6%£87
Telecoms5%£65
Software3%£35
All Bills
8 active bills · 3 paid · 5 pending · £16,457/yr total
Total Monthly
£1,371.49
All 8 bills
Paid This Month
£442.49
3 bills paid
Still Pending
£929.00
5 bills due
Overmarket
£1,240/yr
3 cheaper deals found
| Supplier | Category | Monthly | Annual | Due | Status | YoY Change | Renewal | Action |
|---|---|---|---|---|---|---|---|---|
| ⚡ British Gas | Energy | £342.50 | £4,110 | 1 Apr | Pending | ↑ 8.2% | Sep 2026 | |
| 🏛️ Hackney Council | Rates | £485.00 | £5,820 | 15 Apr | Pending | ↑ 3.8% | Apr 2026 | |
| 🛡️ Aviva | Insurance | £156.00 | £1,872 | 15 Apr | Pending | — | 45 days | |
| ♻️ Biffa Waste | Waste | £112.00 | £1,344 | 10 Apr | Pending | ↑ 12.5% | Sep 2026 | |
| 💧 Thames Water | Water | £87.00 | £1,044 | 5 Mar | Paid | ↑ 2.1% | N/A | |
| 📡 BT Business | Telecoms | £64.99 | £780 | 8 Mar | Paid | ↓ 3.0% | Jun 2026 | |
| 🛡️ Zurich PL | Insurance | £89.00 | £1,068 | 20 Apr | Pending | — | Aug 2026 | |
| 💻 Sage Accounting | Software | £35.00 | £420 | 1 Mar | Paid | — | Monthly | |
| Total Monthly | £1,371.49 | £16,458/yr | 8 bills · 3 paid · 5 pending | |||||
Payments
March 2026 · Transaction history from connected bank accounts
Paid This Month
£442.49
3 of 8 bills
Still Due
£929.00
5 bills remaining
Last Month Total
£1,348.20
All 8 bills on time
Average Monthly
£1,338
Last 6 months
Transaction History
| Supplier | Category | Date | Method | Account | Amount | Status |
|---|---|---|---|---|---|---|
| Thames Water | Water | 5 Mar 2026 | Direct Debit | NatWest ****4821 | £87.00 | Paid |
| BT Business | Telecoms | 8 Mar 2026 | Direct Debit | Starling ****7392 | £64.99 | Paid |
| Sage Accounting | Software | 1 Mar 2026 | Card | NatWest ****4821 | £35.00 | Paid |
| ⚡ British Gas | Energy | Due 1 Apr | Direct Debit | NatWest ****4821 | £342.50 | Pending |
| 🏛️ Hackney Council | Rates | Due 15 Apr | Direct Debit | NatWest ****4821 | £485.00 | Pending |
| British Gas | Energy | 1 Feb 2026 | Direct Debit | NatWest ****4821 | £342.50 | Paid |
| Hackney Council | Rates | 15 Feb 2026 | Direct Debit | NatWest ****4821 | £485.00 | Paid |
| Running total (March 2026) | £1,371.49 | |||||
Coming 2028
Vpayit Credit
Bills due but short on cash? We cover the gap and you repay next month. Your bills this month: £1,371 · Cash short: £300 → We'd cover it.
Savings Opportunities
We found 3 ways to reduce your bills by £1,240/year
Total Savings Available
£1,240/yr
3 opportunities
Savings Already Captured
£840/yr
Energy switch completed
Overpaying Per Month
£103
vs market rates
Energy
High Priority
Detected 14 Mar 2026
Switch from British Gas to Octopus Business
Current cost
£342.50/mo
£4,110/yr
→
New cost
£272.50/mo
£3,270/yr
Annual saving
£840
Monthly saving
£70
Why this saving? You have been on a standard variable tariff since Sep 2024. Octopus Business Flex offers a fixed rate 20.4% lower. Contract ends Sep 2026 — switching now avoids the rollover penalty.
Insurance
Renews in 45 days
Act before 1 May 2026
Renew Aviva early — compare 12 providers
Current cost
£156.00/mo
£1,872/yr
→
Best quote
£134.30/mo
Simply Business
Annual saving
£260
Providers compared
12
⏰ Time-sensitive: Renewing late typically costs 15–22% more. You have 45 days before auto-renewal. Act now to lock in the best rate.
Telecoms
Contract ends Jun 2026
Switch broadband — Zen Business Fibre vs BT
Current (BT)
£64.99/mo
£779/yr
→
Zen Business
£53.32/mo
500Mbps symmetric
Annual saving
£140
Speed upgrade
+2×
Act on all 3 opportunities
Switch energy + renew insurance + change broadband
£1,240/yr saved
Cash Flow
Bill payment timeline and upcoming cash requirements
This Month Due
£929.00
5 bills still pending
Next Month (Apr)
£1,371.49
All 8 bills due
Largest Single Bill
£485.00
Hackney Council Rates
Vpayit Credit Available
£500
If short this month
Upcoming Payment Timeline
1 Apr
6 days
⚡ British Gas · Energy · Direct Debit · NatWest
£342.50
Pending
10 Apr
15 days
♻️ Biffa Waste · Waste · Direct Debit · NatWest
£112.00
Pending
15 Apr
20 days
🛡️ Aviva + 🏛️ Council · 2 bills same day
£641.00
Large
20 Apr
25 days
🛡️ Zurich PL · Insurance · Direct Debit
£89.00
Pending
1 May
36 days
⚡ British Gas + 💻 Sage · 2 bills due
£377.50
Upcoming
Total pending this month
£929.00
Total due next 30 days
£1,184.50
6-Month Forecast
* Aug projection assumes Aviva renewal saving of £260/yr applied from May 2026
Reports
Spending analysis and bill cost breakdowns
Total (6 months)
£8,124
↑ 4.2% vs prior
Avg Monthly
£1,354
Oct 2025 – Mar 2026
Savings Captured
£840
Energy switch
Savings Missed
£400
Pre-switch overpayment
Monthly Spending — Last 6 Months
Category Year-on-Year
⚡ Energy
£342/mo ↑ 8.2%
🏛️ Business Rates
£485/mo ↑ 3.8%
🛡️ Insurance (total)
£245/mo ↑ 3.1%
♻️ Waste
£112/mo ↑ 12.5%
💧 Water
£87/mo ↑ 2.1%
📡 Telecoms
£65/mo ↓ 3.0%
💻 Software
£35/mo —
Supplier Price History (12 months)
| Supplier | Apr '25 | Jul '25 | Oct '25 | Jan '26 | Mar '26 | 12mo Change |
|---|---|---|---|---|---|---|
| British Gas | £316.00 | £316.00 | £326.50 | £342.50 | £342.50 | ↑ 8.4% |
| Hackney Council | £467.00 | £467.00 | £467.00 | £485.00 | £485.00 | ↑ 3.9% |
| Biffa Waste | £99.55 | £99.55 | £105.00 | £112.00 | £112.00 | ↑ 12.5% |
| BT Business | £67.00 | £66.50 | £66.50 | £65.50 | £64.99 | ↓ 3.0% |
Alerts & Reminders
2 active alerts requiring your attention
UrgentBill price spike detected
Detected today
Biffa Waste has increased 12.5% year-on-year — the highest increase across all your bills. The market rate for equivalent waste collection in E8 is ~£88/month. You are paying £24/month over market.
Action neededInsurance renewal in 45 days
Renews 1 May 2026
Your Aviva Public Liability policy renews on 1 May 2026. Renewing early typically saves 15–22%. We found a better quote at £134.30/month (you currently pay £156.00). Act now to avoid auto-renewal at current price.
InfoBT contract ends in 81 days
Ends 15 Jun 2026
Your BT Business Fibre 2 contract ends 15 Jun 2026. We found Zen Business Fibre at £53.32/month (vs £64.99 now) with double the speed. No action needed yet — we'll remind you 30 days before.
Upcoming Bill Reminders
⚡ British Gas · Direct Debit
£342.50Due 1 Apr
♻️ Biffa Waste
£112.00Due 10 Apr
🛡️ Aviva Insurance
£156.00Due 15 Apr
🏛️ Hackney Council
£485.00Due 15 Apr
🛡️ Zurich PL
£89.00Due 20 Apr
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Connected Banks
NatWest Business
****4821 · Last synced: today 09:14
Starling Business
****7392 · Last synced: today 09:14
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