These are some of our money saving ideas . We can't guarantee they're any good but they work for us! Our aim is to get over 100 ideas. If you have any ideas please email us to add to this list. We will even give you the credit if you wish! 1. Consider paying bills by direct debit. Some companies (utilities) give a discount for payment by this method. It is also impossible to forget to pay! 2. Review your gas, electric and insurance providers. uswitch 3. Consider consolidating your debts into one. You may be able to reduce your outgoings and hence reduce any late interest and charges you are currently incurring. A consolidation loan may also offer a cheaper interest rate than you are currently being charged. Especially on store cards and credit cards. Please visit one of our sponsors allclearfinance or askfinance 4. Are you receiving all the benefits you are entitled to?? Visit adviceguide.org.uk 5. Are you energy efficient? Be good to the environment and save money! Visit saveenergy. Also sprayseal can offer insulation tips. 6. Do you make the same journey to work every day. Consider getting a discount or regular traveler discount card. Why not car share with a colleague? Are you a young person or elderly. There may be other discounts available? 7. Collect loyalty points on your supermarket / petrol shopping. You might as well they're free! 8. Always shop after you've eaten. You'll buy less food! 9. Do you have savings and debts? The chances are your interest is higher on your debts than your savings. Consider paying off debts where possible. Although it is also nice to have emergency savings for when required. 10. Always get at least 3 quotes when your home or car insurance comes up for 11. Wrap presents in brown paper. Looks quite trendy now and is much cheaper 12. Make your own salad. Pre packed salad is much more expensive than the sum of the contents! 13. Make your own sandwiches for work / school. Do you know how many sandwiches you can make for £2?? 14. Get recipes off the internet rather than buying pre made meals. See frugal 15. When you are buying anything always look for cheaper options on the internet. Why not ask for a discount? You'll be surprised how many people will give you one. Especially if you're buying a number of items from the 16. Ditch the overdraft. If you have an overdraft that charges a monthly 17. Sell all the stuff you no longer need at a car boot sale (and make the house tidy!). 18. Do you need a mobile and a home phone? Also ring your mobile company to 19. Avoid going for days out where you will spend money i.e. the shopping centre / car boot sales. Use our guide for other things to do (especially if they are FREE!). Visit ukwhatsonguide 20. Don't ring 118 numbers to get a phone number. Visit our frontpage for links to web sites that offer this service for free. 21. Stay in! You drink and smoke less than in the pub. Also the beer and cigarettes are cheaper! (not that we recommend smoking or drinking! or staying in!!) 22. If you're struggling with debts consider what options are available. Visit harringtonbrooks for advice on debt management, an IVA or bankruptcy. Bankruptcy laws changed in April 2004 and it is not as bad as you may think. It's definitely better than struggling with massive debts forever (especially if you don't own your own home!). 23. Money Saving Expert - Want to save money. Can't find what you want. This guide and categorised list should help you get started. 24. Switch your credit card to an introductory 0% offer. 25. Do you really use that gym membership? Save £50 a month instantly by being 26. If you are dissatisfied with your working life or and want to make more Other Debt Help. Learn more about . . . Secured loans remortgages
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