Consider supermarket shopping online to save money.

A recent report published in the news this week, says that increasing numbers of us are shopping online. Even grocery shopping is now being done online and the high street shops and big chains stores are seeing a significant drop in the numbers of shoppers visiting their stores.

You can save yourself a significant amount of money if you shop online. Here are some simple tips that could save you a lot of money. And just imagine what you could do with a little extra each month!

Supermarket online shopping is increasingly popular, so is EBay. In fact, all the online retailers offering significant discounts and goods at a cheaper rate are experiencing huge growth.

Buying your groceries online can save you a small fortune. Firstly, you will save on the fuel you would spend driving to the supermarket. Now, this may not seem like a lot, but over a year, if you cut down that fuel use, it will be significant. And statistics show that most people drive for between ten minutes and forty minutes just to get to a supermarket or high street. That is a significant amount of fuel on an annual basis! Ordering your groceries and goods online will also save you from being tempted by the blatant multi-buy offers that we are all bombarded with when we walk into a supermarket or store.

There are temptations all around us when we are in a shop, so buying online keeps you focussed on your shopping list, and on what you need. Set yourself a budget and stick to it. You will find it much easier, and if you go slightly over, you can adjust your list, whereas at the check-out most people tend to just pay and leave.

Shoppers have saved as much as £100 on their shopping per month, simply by ordering online.

The same is true for shopping for all kinds of goods. You are more likely to find a bargain, and will have the time to compare prices if you buy online.

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Are you thinking about a summer holiday?

At this time of year, many people start thinking about getting away from the bad weather and heading towards sunnier shores. As a result, travel agencies and holiday companies always advertise in early January, keen to take advantage of the trend to book a holiday after the Festive season.

Weekends, Friday nights in particular, are also known in the travel trade, as one of the best times to encourage people to book last minute get away deals. They are at home, with their feet up and a glass of wine, feeling a little bored, and before they know it, they have booked a holiday!

You can take advantage of this selling tactic to find yourself some excellent bargains. Look for cheap holidays and flights early in the week. The last minute deals not sold at the weekend will be even cheaper, especially flights that are scheduled for only a few days away. If you are flexible about when you can leave, it’s a great way to find a cheap flight or package deal.

For longer holidays, look for bargains just after a big sales push. For example, if you start looking for a romantic Valentine’s weekend away at the moment, it will cost you a lot more money. Make a decision with your partner to go just after Valentine’s Day or later in February and you will see a dramatic change in the price for the same holiday.

There’s a popular saying within the travel industry – no one really knows how much a plane tickets costs. And it is true. It can literally vary from day to day. Sometimes it can change within the hour! If you start to watch the travel industry, and get to know when they promote, and when they are offering bargains, you will soon learn the best times to look and buy. And you will also start to recognise the real bargains too.

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Have a clear out and make a little extra cash with E-bay.

At this time of year many of us are feeling the pinch. Increased expenditure during the festive season will have put a strain on our finances. In addition, January is traditionally a gloomy month. People are back to work and the weather is cold, miserable and dank.

Here is a way of beating the January blues, cheering yourself up, and making a little extra cash. Have a clear out! You will be amazed at the items in your home that could easily be sold via E-bay or at a table top or car boot sale. Many of us will have unwanted Christmas gifts, or we will need to have a clear out to make way for the new items we acquired at Christmas.

E-bay is an excellent way of selling single items or small batches of good quality items. It is not expensive, and it is a great way to recoup some money. One mistake many people make is to charge too much for their items. Remember, selling second hand or used items on E-bay usually involve an auction. People are looking for bargains. If you set the price to high, or are too greedy, you are less likely to get success. The most popular items will go for a reasonable amount of money anyway, but you will notice many people selling bags and shoes that match the retail price! Unless they are sure these items are genuine, and really brand new, many people will not bid on them.

People who buy supposedly brand new designer items for knock-down prices on E-bay are not always getting what they pay for. The rating and feedback system on E-bay is very good, so you will soon start to develop an eye for the real bargains. This will help you decide how much to sell your own items for. Keep the prices reasonable and fair.

Start with a few simple sales and see how you get on before adding more. Within a week or two you will find things starting to sell and the money will trickle in!

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Two simple tips to help you save money in the sales

The January sales are in full swing again! At the moment, the shops are full of bargains, all tempting us to spend even more money. But how can you tell if an item is really a bargain? Do some items appear to be bargains when really they are not? Here are some simple tips to help you save money during the sales.

If you go shopping during the sales, it can be very easy to be attracted by the banners advertising huge discounts and the savings that can be made. The first rule of sales shopping is, never buy anything you do not need, or were not looking for in the first place. Shops are very clever at making us all ‘think’ we need the items they are displaying. For example, if you know you are looking for boots, have had an eye on a pair and you see them, finally discounted, then that’s a bargain! However, if you don’t need them, weren’t looking for them and only buy them because they are advertised as 50% off the normal price of £100, the truth is, you haven’t saved £50, you have spent £50 unnecessarily!

Another good tip is to keep an eye out for real deals. Supermarkets will offer buy one get one free items, or they will encourage you to buy two and get three. Keep an eye on these offers, they can represent real savings for you, however, what’s the point of buying three packs of fresh produce if they are going to go to waste and end up in the bin? You will start to notice that many of the ‘BOGOF’ offers rarely include long lasting store cupboard items. Most often, supermarkets will offer items that are fresh, in season, and in plentiful supply, e.g. cheap! And that’s why they can afford to sell them at an offer price.

If you have a freezer and plenty of room, these bargains can save you money, but don’t be tempted to load up your trolley with offers simply because they appear to be bargains, you could end up putting most of it in the bin. And that is a huge waste of food and money.

Don’t fall for the sales hype that shops and supermarkets bombard you with. If you are savvy, you will spot the real bargains and be able to save yourself money on the items you really need.

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What can you do if you are away from home and run out of money?

At this time of year, many of us are travelling to and fro, visiting friends and family. It’s also a time of year when the weather can be unpredictable, and travel arrangements can change within minutes. For many people, the need for some additional cash at these times can be difficult to cope with.

We received a letter from a customer who told us how a Payday loan had helped them in very unusual circumstances. We wanted to share it as a way of letting you know that if you need it, the financial help is there for you.

Last year, as many of you may remember, there were a few extremely stormy days when the weather was particularly disruptive. One customer was travelling from the south of the country on a pre-planned journey of over 500 miles. Unfortunately, during a flood, theyincurred damage to the fuel line and had no cash to pay for it to be fixed until two days later when they would be paid.

The customer was able to access the website, apply for a payday loan and receive the funds within the hour, all from their mobile phone! And the money they needed arrived before the vehicle rescue service did! The customer was able to arrive safely at their destination thanks to the rescue vehicle that was paid promptly. Their car was fixed the next day, and two days later they repaid their short term loan.

This is an example of how the need for money can suddenly crop up. But it is also an example of how you can use a Payday loan to help you when you really need it. Although it may not be the best option for everyone, for the majority of hard working people who receive a regular wage, and who have an active bank account, a Payday loan provides a quick and simple solution.

To be able to access the money you need, simply by using the internetvia your phone, means that wherever you are, whatever the time is, if you are short of cash, you can access a Payday loan to help you. So if you are stuck in a storm this year, or find yourself short of money while away from home, don’t worry or stress. A Payday loan can help you if you need it. Visit at http://doshdelivery.co.uk/

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Saving is a great way to prepare for life’s financial emergencies.

Wouldn’t it be wonderful if we all had a healthy nest egg to use if we needed it? Sadly life is not like that, and for most hard working families, our monthly income barely stretches for the whole month. However, even families who have a fairly modest income can set aside a little money each month in order to gradually build a nest egg of emergency cash.

Saving money is not as difficult as it may seem and often your little pot of cash can grow much more quickly than you imagined it would. Here are some tips to help you start out on the road to successful saving.

One tip is to open a savings account and put a little in every week or every month. You need to be strict with yourself. Often if you make it too easy to access the money, you may be tempted to dip in to it time and again and this will not let the savings grow.

Try to cut back on some unnecessary expenses, or to reduce your expenditure in a month. Then with the money you save, put a little away. Even £25 per week can add up to a significant sum over time. Most successful savers say that saving a third of their wage works best. This is not possible for everyone. Young families and the high cost of living mean that the majority of us need to use the bulk of our income just to live! However, if you are working and earning a regular wage, there will be an amount, even if it is small, that you can stash away for a rainy day.

If you find you are short of cash and don’t have savings, don’t worry. You could be eligible for a short term cash advance on your wages. They are simple to apply for and you could have the money you need within an hour of submitting the application.
 

The important thing to remember is that there are options available to you. If you need to borrow a little money you can do so, and then when you are back on track it will be a good idea to start saving.

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Worrying about money is uncomfortable and stressful. Be positive and remember that help is available.

We have all experienced money worries at one time or another. Being short of cash is not difficult. In fact, recent studies suggest financial problems can be as stressful as other major life events like moving home, losing a job, or the end of a relationship. Although there may not appear to be an answer to your money concerns, staying calm and focusing on the positive will always help a solution to reveal itself.

We help hundreds of people every month who are experiencing a sudden shortage of cash, or an unexpected financial emergency. By offering short term cash advances, we are able to help our clients address their immediate cash shortages until they are next paid.

Turning to a Payday loan for a short period of time may not be the best option for everyone. But for many hardworking people, it is a simple and effective option that they can use to access some emergency cash very quickly.

To be eligible for a Payday loan, you should be in employment, and earning a regular wage which is paid in to an active UK bank account. The application process is simple and can be completed online within minutes. All you are required to do is confirm your income, name, and date of birth. You will also need to provide your permanent home address, employment and employer details, and your banking details. Once you have submitted the application, you will receive a response within minutes.

We all understand the importance and advantage of having savings, but this is not always easy to achieve. And at this time of year, it can be especially difficult to cope with every day expenses while covering all the additional costs that the Festive season demands!

Payday loans are just a little helping hand when you need it. They are short term loans for an amount which suits you, that can be easily repaid when your wage is paid in to the bank. If you are careful, choose a reputable lender, and calculate how much you can afford to borrow, then you will have no problems, and this form of short term loan will be a useful source of help for you.

We do not recommend Payday loans if you are struggling with long term debt problems or have an extremely low income. It is always best to think very carefully before entering into any form of credit agreement. The best lenders will provide all the necessary information for you so that you can make the best decision for yourself and your family.

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