Putting the personal into personal finance

In the recently leaked, and subsequently confirmed, Labour party manifesto was a pledge to cap energy prices in the UK.  At the heart of the pledge was the inertia that ensures that a small number of people switch their energy supplier each year, thus ensuring that a great many remain on tariffs that are considerably more expensive than they need to be.

It’s a scenario that is remarkably out of touch with so much of modern life.  It’s a life that is increasingly fueled by smart algorithms that feed off of the vast quantities of data we feed to them to ensure we get personalized service.  Our supermarkets know all about our shopping habits and ensure we get personalized deals, retailers from Amazon to Netflix use our behavior to give us personal recommendations, and of course search engines and social networks use data to give us personal news and information.

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