Compare energy, broadband and insurance deals regularly, and check whether switching providers or changing your tariff could reduce your bills. Use Birmingham City Council’s website to look for local discounts, help with council tax, and support with household costs, as eligibility depends on your circumstances. Consider walking, cycling, public transport or a West Midlands travel pass where these work out cheaper than driving and parking. Libraries, community groups and local markets can also provide low-cost activities, books and essentials; check gov.uk for any benefits or cost-of-living support you may be entitled to.