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You’re moving into your first home – congratulations! You’ve probably started planning your colour scheme and buying your furniture, but now it’s time for the boring bit, setting up your bills. Yawn.

Fortunately, I’ve done some of the hard work for you and below you’ll find a list of everything you need to set up your first home.

Household must-haves

  • Council tax
  • Water
  • Gas
  • Electricity
  • Service charge
  • Ground rent

Your council tax is set by your local council. You must contact them to register and they’ll send you a bill that you can either pay monthly or annually. You can find your local council here.

Your water provider is already set up, so you just need to contact them to set up your account, including your payment details. Find your water supplier here.

Gas and electricity are usually set up when you move into your new home, but you can change these if you want a better deal. I’d recommend Bulb* as they use renewable energy, one of the cheapest and the app is really easy to use.

If you live in a flat, you’ll likely pay service charge and ground rent. The service charge pays for the maintenance of communal areas and the building. Ground rent is payable to the freeholder (the person/company that owns the land your flat is built on).


  • Home insurance
  • Buildings insurance
  • Contents insurance
  • Life insurance

If you’re buying your home, you’ll need both buildings and contents insurance. You can buy them individually or combined, aka home insurance. It’s also worth considering life insurance to cover your mortgage should you pass away.

If you’re renting, your landlesser should have buildings insurance, but you still need contents insurance to protect your things, should the worst happen.


  • TV licence
  • Internet provider
  • TV package
  • Landline

If you’re planning to use a television, you need to get a TV licence even if you only intend on using streaming services like Netflix or Amazon Prime.

You should choose and sign up with an internet provider before you move in as it can take weeks to get an engineer in to set you up. 

TV packages are less popular today thanks to streaming, but Sky, BT and Virgin** offer full bundles to include TV, internet and a landline for a reduced price.

Changing your address

You’ll also need to let lots of people know you’ve moved, such as the DVLA and HMRC. Find the full ultimate change of address checklist here.

* If you sign up to Bulb using this code, you and I will get £50 added to our account which you’re able to withdraw into your account if you want.

** If you sign up to Virgin using this code, you and I will get a £50 cash reward.

UK based content creator sharing organisation hacks, budgeting tips and small space living solutions.

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