We all know the type – the one who rounds you up at 1am suggesting it might be time to head  home before you spew on your shoes, the one who always carries an umbrella, the one who’s rarely late to work or lectures, who has a budget and sticks to it. It’s brilliant to have a sensible house mate – they make sure the bills are paid on time, file them away for record, make sure the rubbish is taken out on the right day and put together the cleaning rota. But they can also be A-N-N-O-Y-I-N-G! Like, when Monica from Friends went around labelling everything with a label-maker – who needs a house mate that will put labels on food because they can’t handle running out of butter?

Here at HURU we like to think of ourselves as the sensible house mate, without the downsides, as we don’t actually live with you- TGFT! In fact, we pride ourselves on being the sensible one, who manages your bills for you, makes sure we understand your bills, and pays them on time so you don’t go in the red or get a bad credit score because of late payments.  This means you can spend more time on the things you love, instead of boring bills admin.

In case you were wondering how we stay on top of everything, here are some of our top tips for getting organized and making sure you’re on top of your finances:

  1. Take photos of everything! If you think you might lose something, or mislay it – take a photos of it. That way you won’t have to rely on loose pieces of paper, or your unreliable filing system… it’s no good if you don’t save these photos so it’s good to have a cloud platform to save stuff on.
  2. Compare prices – here at HURU we have to make sure that our prices are great value, otherwise no one would want to use our service. This means we’re always comparing our bills prices with our competitors. We believe in shopping around to make sure you get the best deal. Don’t just get your toothpaste from Boots – go to the local pound shop or Wilko!
  3. Make sure there are no hidden costs/charges that you aren’t aware of. Here at HURU we believe in full transparency on costs – that’s why we don’t take a deposit for no reason, we have no hidden charges and no cancellation fee. You pay for your bills plus out £2 per person service charge. It’s that simple – no strings attached. Ask ask ask when you sign up for services or make a big purchase.
  4. Set one day each month dedicated to personal finance organisation. Sounds so boring but it’ll give you peace of mind, knowing what your balance is and all your outgoings.
  5. Set a weekly or daily budget and don’t go over it! This is honestly the best way to make sure you don’t over spend. Once you know what your daily budget is you can plan what you can afford to spend e.g. homemade sandwiches for lunch, take coffee to library in a flask instead of buying it, means an extra beer at your local on Thursday night.

Also published on Medium.