Are you paying for something unnecessarily? With technology you often are, because many of the various contracts we have come with all kinds of goodies that we don’t know about. Those goodies might be financial services – for example, our bank current account includes mobile phone and tablet insurance as standard – or other kinds of services. Mobile phone contracts are particularly good for this – a Vodafone Red plan offers a choice of subscriptions to the Spotify music service, NOW TV Entertainment or Sky Sports Mobile TV, and EE offers inclusive BT Sport as well as data roaming in the USA, Canada, Mexico, New Zealand and Australia plus the usual EU roaming. It’s a very good idea to check what offers are available to you and what’s already included in the products and services you own.