With little more income than the state pension, Christine Chapman is careful with her money.
The 70-year-old keeps paperwork meticulously in a filing cabinet and knows what is coming in and going out.
Her bills were cut by hundreds of pounds a year, simply by switching insurance, phone and mobile suppliers.
It all sounds like an advert for competition and the benefits of shopping around.
But Mrs Chapman was lucky.
The widow, from County Durham, does not have a computer and does not know how to operate one. Her smartphone is only used for calls and messages to family and friends. She had no way of shopping around for better deals.
What she does have is a caring brother-in-law who taught IT and, after a conversation at a family gathering, realised Mrs Chapman