If you do direct debit you will always "overpay" in summer to be in credit however you would "underpay" in winter (Because you use it more). The overpay months then make the underpay months break even.
You can ask for quarterly bills if you like however you get worse rates. If you had a direct debit for £80 a month and the peak of winter you used £60 then you can ask to get the amount lowered. (Most will automatically catch this and readjust). Interest is peanuts now anyway |