What is council tax and can I pay less?

Council tax is a yearly charge that households in England, Scotland and Wales pay to their local council. It funds local services such as rubbish collection, libraries and social care. The amount depends on the valuation band of your home (A to H) and your council, and it is normally paid in 10 or 12 monthly instalments. When you move into a rented or owned home, tell the council so they can set up your account; tenants are usually responsible for paying it unless the bill is included in the rent. You may pay less: there is a 25 percent discount if you live alone, full-time students are usually exempt, and people on low incomes can apply for Council Tax Reduction. Never ignore council tax letters, because councils act quickly on missed payments. Apply for discounts on your council website.