Doing your research can save you money!

There’s been a lot of talk recently about the government’s ‘austerity measures’. They’ve been encouraging us to do the same. It’s easier said than done though!One way we can all make ourselves some real savings is to look at our utility and service providers. Take some time this week to make sure you are getting the best deal available for your electricity, gas, telephone, mobile, broadband, weekly supermarket shop, television subscription. The list is endless, and the savings you could make are massive!All you need to do is invest a little time...

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Online shopping – the new addiction.

We’ve all made a spur of the moment purchase online and then regretted it the following morning. Online shopping is full of the temptations that are just too easy to give in to. It’s so easy to make a purchase now, with PayPal and one-click purchases. Before we know it, we’ve over spent. The fashion conscious shopper is particularly susceptible to the temptations of online shopping. It’s so easy to see a ‘bargain’ and think, ‘Oh, if it doesn’t fit I’ll send it back.’ But how often do we ever send anything back? Online shopping really is...

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Saving feels good!

Have you noticed an increase in adverts, news items and articles about saving money? We have.It seems at the moment, Savings accounts, ISAs and other types of investment opportunity are flooding the information super-highway. The main reason is the more we save money with the big financial institutions, the better off they will be and the banks really do see increasing investment as a way out of this double recession.It’s not all cynical though. Saving is the most powerful and easiest way to give yourself the financial freedom you deserve. Savings...

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Spring In Our Steps?

Here we are half way through April and the weather still remains as gloomy as the economy. It feels as though the whole of the UK is stuck in a rut it can’t get out of.Even the news has underlined how difficult things are. Remember the 1st of April, when this year’s political ‘April Fool’ suggested he could survive on £53 per week?The ensuing press and media furore did nothing to appease the nation’s worries over their economic future.However, despite all the doom mongers’ depressing predictions, we think there are some very real silver linings...

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Will the UK population ever get out of this recession and seemingly endless cycle of debt?

Yes, the bad news is continuing. The cost of living keeps growing, and so does inflation. Every day households are coming under increasingly more pressure to make ends meet. Even families with two wage earners are struggling to meet all their bills and expenses.The UK’s Office for National Statistics recently published a report saying that the total household debt in the UK between 2008 and 2010 had mounted to over £94 billion!It would not be unrealistic to imagine this figure is even higher now, three years later. Or is it?People are cutting...

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Brits Are Cutting Back On Their Spending And Making Savings Wherever They Can

In Britain today, the average household has to spend over a quarter of all income on essentials like food! Thereafter a significant chunk is used for utility bills like fuel or communications and then on top of that there is council tax, and rent or mortgage. These added financial pressures are leaving families with less and less spare cash at the end of the month.Many families are now seriously cutting back on their spending in every way they can. They are not spending as much cash on leisure activities and when shopping, going for the cheaper...

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Simple Ways To Boost Your Savings Every Month

It’s likely that at one time or another, we have all wished we had saved some money. Whether an emergency crops up or we suddenly wish we had that extra cash to treat ourselves.Whatever the reason, saving money is always a good idea.It can seem like an almost impossible task for most of though. Bills, living expenses, items for the family, these can all mount up and leave very little, if anything, at the end of the month. It is the same for most of us.However, saving each month, even a small amount, is much easier than you might think. And the...

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Making the decision to borrow money

Borrowing money, whether long or short term, is not a decision to be taken lightly or to be rushed into.The nature of short term pay day loans usually means that the borrowers are experiencing a financial emergency and need to access funds very quickly. However, we still always recommend that borrowers look around at their choice of lenders and consider all their options before applying for and committing to a pay day loan.One of the most important things to consider is how much you can afford to borrow. Only borrow what you know you can comfortably...

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Dealing With Banks Can Be Difficult And Extremely Stressful, But It Does Not Have To Be.

Dealing with banks can be difficult and extremely stressful, but it does not have to be.Every day I receive emails from customers who are dismayed by how difficult it is to deal with their banks or building societies!Why is this? We all need to have a bank account; banks are mean to be there to help us. And yet, people seem to struggle to get the best from their banks.Admittedly, the current economic climate in the UK is not helping; however, here are a few simple tips which will help you get the best from your bank.Keep it in writing.Although...

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Having a regular source of income from secure employment is so important.

We all need money. Whether we like it or not, money really does make the world go around. Having secure employment which brings in regular income ensures we have a home, food, warmth and all the things we and our families need to survive.The main source of a family’s income is particularly important because this is what creates the foundations for their quality of life.In the current economy, jobs are hard to come by. Particularly secure permanent work. While you may wish you had a higher salary or a job with much better future prospects, if you...

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