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21. Go pre-taken care of cheaper illnesses

One of the most useful things about being ill, and let’s face the facts there aren’t many, is the fact NHS prescriptions cost only £7.85 per item. This is amazing value until you need, say, four prescriptions monthly. Four x £7.85 suddenly equals £31.40 or £376.80 per year.  But one of the most effective things about being that ill is always that you can cap the sum you pay using Prescription Prepayment Certificates (PPCs). You pay a set fee every three or 1 year and it covers your complete prescriptions over the period you’ve purchased. A three-month all-inclusive PPC costs £29.10 and for each year it’s £104, a saving of £270 around the four-item example. You can pay by direct debit. Time to learn your 7.85 times tables.
Savings: £100s.

23. Avoid expensive days / evenings out

Plenty of museums cost nothing. For those that aren’t, join Artfund, that offers access to 200-odd museums, historic houses, galleries and castles for just a small annual fee. Theatres aren’t free. But if yourr home is in London you can find half-price tickets for the West End theatres every single day at tkts. Better still, should you regularly step out in London join among the theatre clubs that fills empty theatres and concert halls for the QT from about £3 a ticket.
Saving: £100s


Provider     APR
1     Zopa     3.9%
2     HSBC     3.9%
3     M&S Bank     3.9%
4     Hitachi Finance     4%
4     Sainsbury’s Bank     4%

24. Beat the ticket touts

Ticket touts earn their living by letting hold of tickets that happen to be ‘otherwise unavailable’. You don’t stand an opportunity when promoters are handing tickets directly to them. But here’s some news: most tickets are around for everyone whenever they first go for sale. You just need to know after they go on discount sales. Simply register with for the free ticket alert newsletters in the ticket main agents to make sure that you’re first from the queue. And make sure you’ve shown interest in your favourite bands’ websites for your insider knowledge.
Saving: £100s

25. Don’t be a Bucket – or try to keep on top of the Joneses

Trying to maintain up appearances is often a costly illness. It’s called snobbism. A snob, says the dictionary, is somebody who ‘vulgarly admires or imitates someone of superior social position or wealth and appears down on those he considers inferior.’ Famous snobs range from the monstrous comic creation, Hyacinth Bucket. Don’t be a Bucket. Remember, you can not judge someone with what they have as you don’t know the direction they got it. weather you claiming ESA or earning £100,000 salary doesnt mean your better off. Chances are they’re in alot more debt than you are.
Saving: £1,000s

26. Trade down your car

So, you got an American sports utility vehicle (SUV) that nets 15 miles towards the gallon on impulse. Obviously we’ve very impressed – especially with the personalised number plate and how you can Tweet while negotiating narrow lanes outside schools. But can you honestly justify the continued expense? If not, eliminate it. Then check out a car supermarket, where you’ll be able to choose from countless cars at knock-down prices. If you’re a true money saver, consider an ex-rental model which you are able to pick up to get a fraction on the cost of another one.
Saving: £1,000s

27. Ask yourself: do I absolutely need this?

Imagine the scenario. It’s lunchtime and you’ve an hour to kill. You find yourself in the department store then there is a sale on. You acquire a beautifully packaged choice of barbecue tools, an antique-look cast-iron chimenea and associated garden paraphernalia. And it’s half price. Now, stop! Ask yourself: Do I absolutely need this? Exactly. You live inside a flat. It doesn’t actually have a back door. Put it down and disappear.
Saving: £100

28. Walk/cycle for the station/work

It the bit of hippie notion to numerous people however it is free.
Saving: £100

Savings accounts

29. Get off the station before your usual stop and walk

We could be creatures of habit but don’t you find it worth using the routine if it is costing over £50 30 days in unnecessary fares?
Saving: £100

30. Cut down your drinking

A few beers or wines after work several nights a week can be a financially debilitating scenario.
You no (sic) that. Hic.
Saving: £100s

Improving your credit score fundamentals

A person’s credit rating, sometimes called their “FICO” score, is a tool that lenders use that can help determine the creditworthiness of the potential borrower.  If you wish to make a large purchase, like a house, you simply will need financing, you need your score to get as high as possible.  To find out how to improve your overall credit standing, it really is imperative you already know what factors influence your FICO score.

Payment History
Do you spend your bills by the due date?  Most creditors, lenders, and service providers charges you a fee unless you.  Obviously, the important thing wrong with that would be the egregious waste of cash.  What is worse long term is that after four weeks of nonpayment, the financial institution will likely report you to definitely one with the major credit agencies.  (In the U.S., you can find three such credit agencies: Experian, Equifax, and TransUnion.)  Considering that thirty-five percent of your credit worthiness is based on payment history, it is clear how important it truly is to keep up with your obligations.  No other single factor has much influence on your FICO score.

Debt to Total Credit
The ratio of one’s outstanding debt on the total within your credit lines and loan amounts counts for thirty percent of your credit history.  For example, should you have a credit card which has a limit of $5000, and you also owe $4000, your credit balances to total credit ratio is 80 percent.  After repaying $3000 in the principle, your outstanding balance is $1000, offering you a ratio of one-fifth, and that is much better.
If your outstanding balance occupies 70 percent or more within your total line of credit, it’s viewed negatively by the credit reporting agencies.  If the ratio is with the range of thirty to 70 percent, it really is doing little if any harm to your credit history; however, it really is not helping your credit standing.  Bring your financial troubles to below thirty percent of one’s total available credit, along with your FICO score will most likely improve.  Getting balances and, therefore, debt to credit ratios right down to zero is clearly an appealing goal.  It is very important to remember, though, that unused credit won’t help your credit worthiness.  We will explore that topic a lttle bit later.

Length of Credit History
Fifteen percent of your respective FICO score is founded on how long a person has had some type of credit.  The perception is someone that has owned a bank card for twenty years might be more likely for being responsible and credit worthy when compared to a young person straight out of secondary school who has a similar credit card.  Although this is generally, it can be certainly not invariably the case; that is why it’s weighted significantly lower than payment background and the debt to credit ratio.

New Credit
If you could have one plastic card for decade, and you submit an application for and receive three more bank cards, expect your credit standing to come down a lttle bit.  A long-established credit account is known as more stable over a new account.  Of course, how your credit standing reacts to new credit can be affected by additional factors.  A new card boosts your total line of credit, thereby reducing the debt to credit ratio.  An old credit account which has a poor payment history is worse compared to a new account up to date.  All things being equal, new credit just isn’t bad, but old credit is superb.  New credit is the reason for ten percent of one’s FICO score.

Unused credit is known as very much like new credit.  If you can use a charge card every month, and settle the balance in full each and every month, you will notice your credit rating increase steadily.  This is very for many people, because with the temptation to overuse the charge card.  Responsibility and restraint are critical when utilizing this technique.  Remember that, despite the fact that unused credit isn’t very good, it really is not by any means bad; overused credit is.

Types of Credit Used
The remaining 10 percent of your credit rating is based on which kind of credit you could have used.  A retail store plastic card is not great.  Too a lot of them could be detrimental to your credit worthiness, in truth.  Small loans, if paid back in a timely manner, have a very positive effect.  Major charge cards are better still.  Big ticket goods like auto loans and home mortgages are good, just as before if you make the payments in time.
These five areas will be the basis for your FICO score.  Armed with this particular knowledge, you’re better equipped to produce the changes important to improve your credit history.  An overwhelming tastes lenders make use of your FICO score when thinking about your application.  Put yourself set up to get the best possible deal.  Read this informative article again, then get started!

Jan Tops Tips 11-20

11. Sell your clutter on eBay

Take this quick test: You’re at home. Open a cupboard. Look inside. If it’s full of clothes you haven’t worn, or ‘good ideas at the time’ you haven’t used, for, let’s say, three years – you don’t need them. So why not sell them to someone else who does? For fans of the understatement: Ebay is quite well-known and popular now. The great thing is you really can flog any old garbage – for a commission. Tip: you may want to buy a few items first to build up your rating as a respectable eBayer before you start selling.
Income: Will depend on what’s in your cupboard

12. Use your talent to earn extra cash

If you’re not a pop star by the time you reach your 20s you’re probably never going to be. That’s probably just as well as the only way to pop stardom in 2013 is if Simon Cowell wants to marry you. But you may be able to use your talent as a guitarist to teach other wannabes the rudiments of the 12-bar blues.
Income: It’s not unreasonable to charge £20+ an hour

13. Do DIY

We’re a nation of obsessive DIYers and for around £100 you can take a course at your local adult education college to improve the skills needed to tackle most household repairs. If the college runs plumbing courses you could soon be on track to wiping out costly call-out charges and extra insurance policies once and for all. Remember to film yourself at work so that if it goes wrong you can sell the footage to Harry Hill (see link).
Saving: £100+

14. Shop around for the cheapest household insurance

Unless you drive – car insurance is mandatory – you don’t need insurance. But it’s strongly advisable, especially now so many people surf the internet while driving. And can you afford to foot the bill if your house burns down or his smashed up by a 4×4 driver playing Angry Birds, who flees the scene like a sparrow in a catapult? Probably not. There’s a multitude of rubbish on the internet and many highlights of previous years have faded into uselessness – but one of the lasting oases of online usefulness is being able to find cheaper insurance. You can compare hundreds of policies in minutes.

Saving: £100s

15. Don’t automatically renew annual travel insurance

If your annual holiday insurance policy is about to expire and you don’t have a holiday booked, DON’T renew the policy. You’re handing your money over to cover an eventuality that won’t happen. People do this! Don’t! You wouldn’t have car insurance if you didn’t own a car. Some people probably do, dagnabbit. But you definitely wouldn’t insure your pet giraffe if you didn’t have a giraffe. So don’t insure a holiday to the Serengeti you haven’t booked it. Simply restart the cover again the next time you book a trip.
Saving: £50

16. Choose cheaper breakdown insurance

The breakdown sector is dominated by big companies with short names such as the AA and RAC. But being towed home if your car breaks down is just another form of insurance like any other and there are scores of cheaper alternatives, some with names made up of actual words.
Saving: Up to £100 a year

17. Are you paying too much for your life insurance?

Ever since we started washing our hands, humans have been getting healthier. As a result we’re living longer – and the cost of insuring the unthinkable is getting cheaper all the time. If you were sold a policy when you took out or mortgage you may have been under too much stress to shop around. You could be missing a trick. We are not sure how life insurances can be affected if you claim benefits such as ESA (ESA Phone Number)
Saving: £100

18. Book early

Low-cost airlines are growing up. Easyjet lets you choose a seat. Norwegian is planning transatlantic flights for £300. Michael O’Leary, the boss of Ryanair, has even promised to be nice.  Just remember, only a few seats on each flight are sold at bargain-basement prices and once they’re sold, the prices rise. So book early.
Saving: £100

19. Book your own package

As High Street travel agents die out quicker than the ingredients of rhinoceros horn love tonic, it seems that we still love a good old package holiday. And why not? You just book online or by telephone. Easy life. By combining car hire with flights, the agents can often bring the costs down. You’re also protected, accommodated and flown home if you’re grounded because Iceland pulls another volcanic-ash-based PR stunt (everyone’s heard of now). But if you want to save money and your holiday consists of flights, accommodation, transfers and possibly car hire, then take this test. Order a brochure or get a quote from a leading holiday company and work out the price of your holiday including all the complicated supplements. Now go online and, starting with the flights, try to put the same package together.

20. Learn to say ‘no’

It’s easy to give in to the demands of a screaming child in a packed Poundland on a Saturday afternoon. ‘Get me that bottle opener! I want a bottle opener. I know it’s poorly made and won’t last more than seventeen and three-quarter minutes. But I’m six! I want one. It’s only a pound!’ Similarly, how often does a ‘swift half’ after work turn into a £151.12 drinking session? Saying ‘no’ a few times a year will do wonders for your bank account.

10 money saving tips for Jan 2015

1. Change your attitude for a mortgage

Unless you’re making the mistake of getting a train ticket in Britain at the time of travel, the more expensive item that you are ever very likely to buy is the best home. If you’re not within the privileged position to repay cash, ensure that the loan you utilize to finance it’s the best available. For example, if that you are paying your lender’s full standard variable rate (SVR) you’re probably paying many pounds 12 months more than you must. There are thousands of deals to select from and while it is important to check the details in it for hidden catches, this is the relatively easy method to save a lot of money. Remember: loyalty for your bank benefits your bank, not you.

Even better, when you can afford to make overpayments on your own mortgage, you’ll clear the debt several years early and produce massive savings. For example, when you borrow £100,000 at 6% over twenty five years, you’ll pay it off at £643 monthly. The total charge for credit will likely be £93,000. But when you can overpay by £100 30 days you’ll pay off the loan within just 19 years, providing you 6 many years of mortgage-free living and saving an amazing £25,000 in interest.
Saving: £1,000s

2. Check what benefits your entitlted to

Living in the untied kingdom make us very lucky as we have access to loads of different benefits that could help add extra income to your house hold, just give the esa contact number a ring to find out more.

3. Cut the money necessary for your fuel bills

Because official inflation calculations don’t add the price of items that go up, energy companies are permitted to increase bills by 10.4% should they feel like it. They try to accomplish it every time you blink. Average gas and power bills now stand around £1,500 per year. In exchange for one fifth of any state pension, you receive completely incomprehensible bills and guff on the chief executive about how precisely everyone else should be to blame. But that doesn’t mean you must be cheated. If you’ve never dumped your original supplier you’ll be able to still save over £300 per year. If you have switched before, you’ll be able to, because of this flawed privatisation, switch again to the number of businesses that will charge you a comparable. If you believe that gas and electricity prices won’t fall from the near future, you may fix your bills for approximately four years. It is very very easy to switch. You can do so by incorporating clicks from the mouse. Your new supplier will take care from the formalities.

4. Consider installing a water meter

We take our regular water for granted. And why not? The companies behind the unbooked time exist to have a profit, we reimburse them to supply water and still have every directly to expect it circulate from our taps. But if doesn’t necessarily rain the lake companies need to import bottles of Evian and hang up prices. It costs 2p to get rid of the loo – but that rises to about two quid should you have to use Perrier. So you may consider the possibility of installing a meter. If you have a huge home with few occupants you could be surprised to understand you could halve your annual bill.
Saving: £100s

5. Cut your phone bills

BT had been called British Telecommunications but shortened it from a survey discovered that only 4% of college leavers could spell telecommunications, while 6% could spell BT – even when they believed it had been a sandwich minus the lettuce. It was also shortened to reflect its habit of charging an increasing number of for less and fewer. It owned the infrastructure it would do what it liked. If you must occurs phone you’ll find scores of cheaper alternatives that package your telephone, television and broadband access, some that provide low-cost alternatives employing your existing BT line.

Have a glance. You may be looking for a surprise.
Saving: £100

6. Consider a pay-as-you go mobile

If you’ve ever argued that which a mobile phone is usually a necessity instead of a luxury – excellent news, won by you! This year it had been reported that statistically everyone in Senegal and Algeria featuring a phone. Something all of us have loses its luxury status. What can always be completely too much, may be the type of phone it is possible to’t afford as well as the packages of minutes, texts understanding that internet access measured in megas that no-one understands that are by-and-large sold by liars. Point is, should you hand over £50 a month for a mobile phone company, that’s £600 per year – or around £1,000 within your gross salary. But you may buy phones for no more than a tenner and reload with a pay- as-you-go vouchers for not considerably more. Algerians aren’t all using iPhones, you already know.
Saving: £100s

7. Make a grocery list

If you’re not organised or haven’t got a pen, this place is really hard. But don’t give up and you’ll be able to eat well and save enough for just a holiday without great deal of thought. Part from the problem could be the power from the supermarkets. These giant museums of food have spent millions on suggestions to make you put things you don’t want in giant trolleys, keep inside the fridge for the week then throw away. We each chuck out nearly £500 of food each each year. That’s moronic but that’s the supermarket business structure. Make a list. Dig out the cookery, plan a couple of meals and just buy what exactly you need.
Saving: £20 every week = £1,040 12 months

8. When was the very last time you went to the market industry?

One method to beat the supermarkets – that’s, to nibble on healthily at a discount – is usually to use the local market stalls. Lower overheads generally mean less expensive prices. Where supermarkets have ‘half-price’ strawberries that aren’t half price, the neighborhood market routinely have the same fruit for just a quarter from the price on the pretend half-price ones.
Saving: £100+

9. Consider own-brand goods

Not all own-brand supermarket products today come using a health warning and also a stomach pump. They don’t ought to. Some are usually good. Obviously, the current supermarket trick of lowering the size with the packaging along with the weight with the contents means it is possible to buy a 24-pack, multi-sack of crisps that with shod and non-shod only support the shavings of just one potato but you are able to still obtain a tin of Sainsbury’s own-brand baked beans for 25p plus a loaf bread containing grams of protein at Asda, Sainsbury’s or Aldi for 50p. Enough said.
Saving: £100

10. Don’t buy designer labels

Celebrities receive expensive clothes to utilize. You’re not. Thankfully, many people have woken approximately this and acquire copycat fashions on the likes of Asos, that’s now massive; bigger in reality than many on the logos slapped for the clothes at High Street designer jumble sale TK Maxx. If you’re still tempted, face approximately the fact that you may wear the outfit once. Can you justify paying countless pounds for just a name? And can you honestly say it is possible to tell the difference well away between a £600 designer bag as well as a £9.99 one in the market? Think about it.
Saving: £100s

Thanks to for the article