How to cut your phone bills

Telephone companies are all trying to squeeze a little extra money out of their customers this year. But you don't have to put up with the price rises. With just a little shopping around, you can cut the cost of both your landline calls and your internet access. Here, Ruth Jackson shows you how.

How many phone calls do you make between 6am and 7am? I'm guessing not many.

Which means that you probably aren't going to agree with BT's marketing campaign. They say you should be pleased that you can now make calls between those two early hours for free. It used to be that BT's off-peak charging period ran from 6pm to 6am. That has changed: from April it will run from 7pm to 7am. So you lose an hour in the early evening (a very popular time for making calls) and gain one in the early morning (most definitely not a popular time for making calls).

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Ruth Jackson-Kirby

Ruth Jackson-Kirby is a freelance personal finance journalist with 17 years’ experience, writing about everything from savings accounts and credit cards to pensions, property and pet insurance.

Ruth started her career at MoneyWeek after graduating with an MA from the University of St Andrews, and she continues to contribute regular articles to our personal finance section. After leaving MoneyWeek she went on to become deputy editor of Moneywise before becoming a freelance journalist.

Ruth writes regularly for national publications including The Sunday Times, The Times, The Mail on Sunday and Good Housekeeping, among many other titles both online and offline.