Water, phone, and broadband companies are apparently willing to give millions of people discounted deals on their bills, which is the sort of thing they'd probably prefer you didn't mention in polite company.
These are called "social tariffs" - sometimes known as "essential" or "basic" tariffs, because nothing says "essential" like having to prove you're poor to get a break on your internet bill. Generally, you only need to ask your supplier to get on one, which sounds simple until you remember that most people who've fallen behind on bills don't know this help exists, according to a major report. Surprise: people struggling to pay aren't spending their evenings browsing tariff options.
Importantly, these are not price promotions designed to attract customers, but lower bills for the same service for those who would otherwise struggle to pay. The lower cost is often covered by higher bills for everyone else, so technically, your neighbor's generosity is subsidizing your Wi-Fi.
Getting one requires you to contact your supplier and provide some evidence - but it doesn't take very long, assuming you have the energy to navigate a customer service phone tree while worrying about money.
If your name is on the contract and you receive benefits like universal credit or pension credit, companies may give you a discounted deal. For broadband and phone contracts, regulator Ofcom has a list of social tariffs. If yours is on the list and you're eligible, you can switch free of charge, and leaving won't cost you either - a rare win in the world of contracts.
For water bills, every supplier in England and Wales has a social tariff, though who qualifies and how much help you get varies like a British summer. The consumer group for water customers has a list. To apply, you generally need to provide proof, like details of the benefits you receive.
Scottish Water does not offer a social tariff, but there are other options. In Northern Ireland, people get help through the Community Care Register. So your location matters, because apparently water discounts obey local geography.
Social tariffs are not available on household gas and electricity bills - despite pressure from regulator Ofgem and others. Instead, suppliers offer a host of support schemes if you're struggling to pay. The trade body Energy UK has a list, but stresses that companies can often only help if you actually tell them you can't pay. Shocking, we know.
Free debt charities like Citizens Advice can provide independent advice. But be alert for scams - some criminals will send official-looking messages. Never reply to unsolicited contact, because apparently even charity requires vigilance.