Get rid of the TV License.

If you can get by with with streaming services and apps (like ITV Hub) you declare on their website you don't need one and that's another £14 a month saved.

You need a license if you watch iPlayer or TV as it's being broadcast, e.g. Coronation Street on ITV at 7.30pm. But it's perfectly fine to watch it on the ITV Hub app later.

Also, phone device and phone air time is £60 p/m - Is there any way to knock that down? I paid off my phone which is about 3 years old now and my SIM only deal is £7 p/m.