Moving home can be among the most stressful things to do, but a lot of that stress can be mitigated by a bit of planning in advance.
Use our moving home checklist and read our top tips for moving home to make the experience a little easier.
Moving home is stressful enough without having to contact your financial provider, but informing your bank of the change is essential to avoid unwanted surprises like blocked cards on the big day.
Informing your bank on time is also an important safeguard against fraud. Even leaving it one week could overlap with important information being sent to – a new PIN number for instance.
If a new PIN or new card was sent to your old address before you informed them of the move and it was used for fraudulent purposes you would not be covered by your bank.
Annoyingly you may have to write to your banks to confirm the changes to avoid fraud, so give yourself plenty of time and use the opportunity to get your finances in order.
The first thing you should do is to settle your bills and settle any outstanding balances. Gas and electricity bills tied to your old property could be linked to you even after you move out.
Gas and electricity bills in particular may not appear for long periods of time, particularly if you are on quarterly billing, so make sure you settle them to avoid damaging your credit file.
Just take a final meter reading and call you gas and electricity provider to settle the bill, although it may be worth checking again after you have moved to make sure everything has been settled.
It’s also worth trying to do this online as many utilities providers may charge you on 0845 numbers. Most providers take final meter readings online.
You should also take a meter reading as soon as you move into your new property to make sure your bills are accurate. If you don’t you could end up paying for the energy used by the previous residents.
Your car may make the move with you in a physical sense, but in the eyes of the law and your insurance provider it will still be tied to your old address unless you notify the relevant parties of your move.
Your car insurance, car ownership certificate and, of course, your driving license all have to be updated, preferably before your move.
Car insurance is the most difficult as the rate you are paying may depend in part on your location. If your old property had off-street parking for instance, but your new one doesn’t, you could well see your premium go up.
Of course, it could work the other way, you could get money back, but by not notifying your insurer in time you could be turned down if you have to make a claim.
Your driving license is easy to update and can be done online on the DirectGov website, or at your local Post Office.
Your car ownership certificate is a little more complicated and will involve you sending your updated documents to the DVLA. This process can take up to a month.
Depending on where you move you may also need to apply for a parking permit. This can be done through the local authority website you are moving to. If you will be parking on a privately-owned plot you will need to apply to the owners.
As discussed earlier you must settle all bills before moving home to avoid damage to your credit file, but you should also update the electoral roll.
The electoral role, which registers where you are based for voting, is used by credit providers as a measure of your eligibility for future credit.
It is also worth checking your credit file a month or so after the big move to make sure all the information is up to date.
Another good way to avoid fraud is to make sure all your mail is redirected. Redirecting is easy to set up through Royal Mail and can last for anywhere between six and 12 months after your move.
There may be a small cost to do this, but you will pay far more if you become a victim of fraud.
If you are concerned about becoming a victim of fraud, you can also check your risk potential by getting a credit report.
It’s not just the important things that have to be moved though. If you have a mobile phone contract, a home phone, a broadband deal, and a television subscription, they all have to be notified.
If you are a television viewer you will also have to change your TV license. This can be done on the TV license website.
Moving home can be a great time to make sure you are getting the best deal on your home phone, television and broadband, particularly with new packages entering the market all the time.
To make sure you are on the best deal run a broadband, TV and internet comparison with Uswitch.
Moving home is never cheap, but there are a few things you can do to make the experience slightly less bruising on your wallet.
Some things can be done months before the move, like rounding up packing boxes. Check your local supermarket, ask at work, or do a quick search on eBay or Gumtree for second-hand packing boxes.
Moving home is also a great time to call in favours from your friends. Asking them to help you lift on the day not only makes things easier, it also means that you could move without needing to get an expensive van rental.
Moving in can also be a good time save on your energy bills. Take your latest bill from your old home, ideally an annual bill, and run a comparison on our energy switching page. If you don’t your energy supplier is likely to put you on the most expensive ‘standard’ tariff.