Thursday, 29 January 2015

ADD SOMEONE ELSE TO YOUR CAR INSURANCE!

RANDOM MONEY-SAVING TIP NUMBER 47

It might seem odd, but adding a second (or even third) driver to your car insurance could actually bring down your premium by a hefty chunk. 
Adding someone with a good driving record to your insurance can be worthwhile; my son saved money by adding his (female) partner and a friend saved money by adding his father. Give it a go on your next quote - it's always worth finding out!

PUT YOUR INSURANCE PAYMENT ON A 0% CREDIT CARD!

low interest credit cards info
RANDOM MONEY-SAVING TIP NUMBER 46

If you can't afford to pay your insurance premium in one lump, pay for it using a 0% credit card - spreading the cost monthly with your provider can cost up to 29.9% interest on top of your premium. 
On a £300 car insurance, paying like this could add whopping extra £50 on your premium!
However, do ensure you pay it all off within the year.

Monday, 19 January 2015

BLUE MONDAY BLUES?

 Nobody panic: it's only Blue Monday

According to the media, every third Monday in January is "Blue" Monday. This means that it could be the time you are facing the realities of Christmas debt, you've given up on all your new Year's resolutions, other bills are coming in, it's dark and the weather is horrible! 
Well, if you have the Blue Monday blues I can offer some ideas to help;
Debt
Don't worry yourself into sleepless nights over debt - stop spending on all but the necessities, NOW and call Step Change, a free, non-judgemental debt advice charity, NOW!
Then think long and hard about what you might NOT spend next Christmas! Start planning now and you can hopefully get though Christmas without debt in January 2016. 
Save Nectar points all year (to spend instore at Argos and online in many other retail outlets), save Tesco Clubcard points and don't spend instore unless you really need to, but use for other Clubcard offers and gifts, or keep an eye out for their "doubling up" offers next December. Do online surveys from polling organisations like Valued Opinions that pay you in vouchers (M & S, Amazon, Boots etc) then save them all to buy gifts next Christmas.
Resolutions
Who needs them anyway! Think about today and what you want from it - then enjoy!
Weather, darkness etc.
Bulbs are up in the garden, spring is on its way, we are way past the shortest day - and so yes, every day it's getting lighter and we'll all feel better.
Hold on to that thought! (and Happy Frugal New Year)