Insurance Saving

One thing that insurance companies do not like is risk. Insurers want to keep all claims to a minimum. So, as a consumer, you are going to save money by reducing the risks.

One way to do this is to take every step necessary to eliminate the threat of burglary or theft. By doing this, you reduce the risk that it will happen and insurance companies like that. Increasing the security will allow your them to offer you the deepest savings.

The first step is to contact your insurance company and find out which anti-theft devices will save you the most money on your premiums. You can't move forward until those details are explained, then you can look at the assortment of choices that you have access to………Read More

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TIPS FOR MONEY SAVING

Reduce Household Heating Bills

According to a "Scottish House Condition Survey" article published on the 28th November 2008 in The Scotsman, "The number of households struggling to pay for heating rose by 26,000 from 2006 to 2007. This 1.1 per cent increase brings the proportion of households in fuel poverty to 24.6 per cent."

It is possible to reduce heating bills by: switching to a cheaper supplier, getting insulation installed, heating only rooms regularly used, turning down the thermostat slightly and even paying by direct debit. Learning how to reduce heating bills can reduce outgoings in this area by upwards of 25%.

Ensure Better Money Management by Getting a Remortgage

Charlie Weston, Finance Editor for the Irish Independent stated that "People with variable rate mortgages are paying as much as €3,000 a year extra on a €300,000 loan."
Getting a remortgage could save borrowers hundreds of pounds each month. There are literally millions of people paying Standard Variable Rate interest. This is essentially an interest rate that is upwards of 2% above the Bank of England base rate.

Avoid Unnecessary Charges and Fees by Paying Promptly

Paying bills promptly can result in substantial savings on household bills. Paying utility bills by direct debit not only avoids charges, but also gets a customer a 7% reduction. Settling credit card bills on time avoids a monthly £12 late payment charge as well as the application of interest.
Cut Household Bills by Purchasing Food More Cheaply
It is possible to buy food from discount providers such as Aldi, Netto and Lidl at a vastly cheaper price than the big name supermarkets. If one of these isn't available, switch to generic brands as there isn't much difference in quality. Take advantage of short shelf life discounted items and 2-for-1 deals.

Clear Debts with the Right Debt Solution

Struggling to pay non-priority debts is a problem facing millions of families, but this can be dealt with in three ways. Either find a way to earn extra money, reduce outgoings by using one of the solutions eluded to above or utilise a debt solution.
It is possible to reduce payments to creditors and cut household bills by entering into a debt management plan. This would allow a person to put all debts under one roof and allow a debt advisor to talk to creditors. More serious debt problems can be resolved with an Individual Voluntary Arrangement.

Taking advantage of a few money savings tips can help identify considerable savings and clear debts. Analysing all incomes and household bills is a sure-fire way to identify ways to cut bills and ensure superior money management.

INTRODUCE FOR MONEY SAVING TIPS

The credit crunch has made life financially difficult for countless people. A few money savings tips can make a real difference in terms of paying priority and even non-priority debts each month. It is essential that household bills are reduced in order to free up money to clear debts and pay bills punctually.

Establishing a comprehensive means of money management can help identify areas where money savings can be identified. Minimising social outgoings and household bills can reduce payments to companies and clear debts a lot faster than would otherwise be the case.