During the Christmas jollidays, I finally got off my arse and got on with what I had told myself to do for ages, but constantly put off due to the vast boredom of the task - renewing insurance and utilities.
I was right, it took up the best part of a day, but I have saved, get this, £1020 a year.
That's by moving gas and electricity, cars, buildings, contents, and annual travel insurance to different providers. I feel more than a bit dopey for not having done it before.
I will shortly be bunking off work and buying industrial quantities of beer and fags to celebrate.