A whopping four out of 10 people are clueless about what the TV licence actually covers, meaning some might be paying for something they don't need. With the cost of a full TV licence now standing at £169.50 after an inflation hike in April, it's a significant addition to yearly expenses - making it crucial to check if you really need one, especially with incomes still under pressure. The licence is compulsory for anyone who streams live TV or uses BBC iPlayer , and not paying can result in a

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