RECORD Money: CASE STUDY

JENNIFER Gallagher organises all her bill payments to make maximum savings - which in most cases means direct debits. The 31- year-old solicitor, a partner in Lanark firm Smail and Ewart, says: "I use direct debits for my gas and electricity, BT andmobile phone bills, and my mortgage. I'm with Scottish Gas for gas and electricity, so I also get a dual fuel discount plus an extra discount because I opted for paperless billing." Jennifer pays for her car insurance up front, avoiding unnecessaryinterest. She says: "This year I went with Diamond and my premium was pounds 386." Jennifer says: "I've always paid in a lump sum. I squirrel the money away throughout the year.

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