Finance Credit Cards And Loans

Published Date: 02 Nov 2017

1. Create a budget and be realistic about all of your inputs and outputs. Make sure you know exactly what you have money and when they will. This will help you plan for events such as birthdays or holidays when you may need a little extra money saved.

2. Make sure you are getting the best possible interest rate for your savings, opening an online savings account could receive a higher interest rate than a regular current account.

3. Missing dates of your credit card minimum payment hit him with a big load, so establishing a direct debit payment to ensure you do not miss the date by accident.

4. Lots of credit cards now offer cashback or points on their purchases or gift certificates when you register, so be sure to shop around before choosing a credit card. But not only choose a card, because it is of benefit, you have to look at the whole.

5. Do not be afraid to transfer to another credit card with interest free promotion period and a lot of credit cards offer now. But make sure that the transfer to a different one before the promotion period is more than could be charged a higher rate of interest once you're done.

6. Keep your credit healthy, this will make easier the transfer of different credit cards when necessary.

7. Do not sign up cards department store credit even if they do offer 10% discount on your first purchase, they charge a high interest rate, high fees for late payment and are too tempting to have in your wallet while is shopping!

8. Do not get in trouble with your mortgage payment. If you're struggling to pay your monthly payments, talk to your doctor about taking a vacation mortgage payment that is better than simply defaulting on their payments.

9. If you have a little extra money, pay more on their credit cards or loans rather than spend it on a treat. If you can pay your debts faster, you pay less interest.

10. If you are bitten in the past by large bank charges, to try to recover them in writing to your bank. If you think your bank charges are much higher than other banks, you should move your account.

11. If you travel a lot, use a credit card that does not charge for use abroad. Some credit cards charge 2.5% for use in a foreign country, however there are some that do not charge this fee if you shop around.

12. If you are concerned about their finances and get free help from your local consumer help, they understand what is possible that the problems they face and are trained to help you think about solutions.

13. Make sure you are claiming benefits you are entitled to, such as Child Tax Credit, Working Tax Credit. The forms may take a while to complete and this can be confusing about what you are entitled to, but you can go to your local consumer aid to help with any questions.

SHOPPING

14. Do you shop online, this will stop paying for buses or parking and are more likely to buy what you need when you're online.

15. Join the Internet to earn Cashback Cashback when you shop online and have access to discount codes that are not available in stores. Earn cashback on a variety of products including food purchases, clothing stores, credit cards, insurance etc Download Cashback Detector and never lose money back while shopping online again!

16. Do not buy anything from the usual street stores, the use of a website comparison of prices before buying anything to make sure you are getting the best prices, which could point to an online store you've never heard of before with cheaper products.

17. Try not to impulse shop! Do not buy something as soon as you see it, you have time to think about it so you can see if you really need. This will also give the opportunity to shop around for the best price.

18. By buying their food from the supermarket deal economy range. You will find most of it tastes the same but is half the price, so do not be intimidated by the packaging. supermarket economy ranges are also good for toiletries, medicines and cleaning products.

19. Has a thorough cleaning and sell anything you do not want or use more on Ebay, is really fast and easy to sell on Ebay now.

20. Make your grocery shopping at night if possible, such as Tesco and ASDA supermarkets often reduce the price of food like bread, milk and cake at the end of the day to make sure we sell it.

21. Before shopping, make a list of what you need and stick to it, if you do not know what you need, you will be more likely to overspend.

22. Do not buy your daily cup of coffee cafes expensive because they are too expensive. A £ 2 cup of coffee every day will cost about 60 pounds during the month! Take a bottle to its place!

23. Take a lunch to work instead of buying every day, that everything will be much cheaper especially if you've got your bread for their sandwiches reduced overnight.

24. Do not buy prepared foods, but are expensive and not very healthy. If you also organized can make cooking a meal from scratch in 20 minutes. It's healthier and much cheaper.

25. Only buy what you need to eat, shop a lot of food means that I will go out of date fast and you lose money on it.

26. Use your dinner leftovers for lunch the next day, as long as you keep in the refrigerator will stay nice and means you do not have to buy dinner out.

27. Always look for special offers, coupons and discounts. Buy in bulk if there is a special offer on something you used regularly, for example, a toothpaste BOGOF however, do not buy something just because it is reduced!

28. Do not think that has to be the first person to get the latest products, such as a mobile phone can cost £ 300 when first released, but could be reduced to only 50 pounds in the next year.

29. Plan your family and a friend's birthday and Christmas presents in advance by buying them for sale. If you have enough storage space, you could buy your Christmas present for the following year in the January sales.

NIGHT OF ENTERTAINMENT AND LEISURE

30. Stop eating in restaurants, nights and weekends as often. It's easy to get lazy and go to dinner, but remember that the meal will cost much more in a restaurant than cook for yourself.

31. If you eat in a restaurant, try to jump the starter and have only two courses that will save you money without ruining your night. Also, try to resist the coffee at the end of the meal, you can get one at home for much less.

32. Find a restaurant where you can bring your own bottle of wine! These are quite common and mean you are not paying restaurant prices for your drinks.

33. Each in turn for you and your friends to a dinner party. This is much cheaper than going to a restaurant and is fun more often especially if you have theme nights.

34. If you go out at night, do not go too soon and have a drink before leaving. You will spend much less money, but still will have fun!

35. If you have an expensive gym membership and do not use, cancel and is a complete waste of money. Try walking instead or use local leisure center, will be much cheaper than a gym membership.

36. If you pay to go to a slimming club, consider starting your own with your family, friends and neighbors instead. You will still get the same motivation, but save on the weekly cost.

37. Do not pay full price for movie tickets as most cinemas offer cheap prices or weekend during the day, and if you know someone with an Orange mobile phone can get 2-for-1 tickets on Wednesday with his Orange Wednesday promotion.

38. During the summer holidays have more advice, free or cheap events for families and children to participate, so be sure to look around to make the most of what is offered.

39. Libraries are a great place to take kids on a rainy day and are great for adults as well as many values not only books but CDs, DVDs and magazines.

40. Share the cost of events with your family and friends, for example, if you like soccer and then buy a season ticket with friends and take turns to go to parties. This way you might lose some games, but that's better than getting lost in all of them.

41. Try to find a market research group in your area that will pay very well to say what he thinks investigations of certain products or ideas. These are nice to do and is provided with refreshments while you are there.

FASHION

42. Aim to build your wardrobe with classic pieces that match. This way you can share everything, so you will not have to buy new pieces as many.

43. Go to the factory or in retail outlets, but are much cheaper and give you great brands at low prices and chances are, nobody will know where they were purchased!

44. Try to save your shopping trips to sales are on. Although make sure not to buy things just because they are cheap if you really do not need them and bring them back if they do not fit as many shops open their doors not fitting during busy sale times.

45. Go to your local charity shop for cheap clothes! Remember, most of the celebrities shop at charity shops, because that is where all things and peculiar, so you're in good company!

46. Do not spend on designer clothes for their children. Hand-me-downs and ranges of clothing Supermarkets are a great way to dress your children on the cheap and probably not even notice the difference.

47. Learn to sew and do not fix your clothes, it will only be able to sew the holes or tears, will also be able to customize their own clothes to make unique pieces.

48. clothing return for a refund who bought and realized that you do not like, do not let them sit in your closet with tags on.

49. Do not avoid the cheaper shops like Primark, who are great to stock up their wardrobe needs simple, such as shirts and sleepwear.

UTILITIES

50. Only buy appliances that have been certified as energy efficiency, which can cost more to start, but more time will save operating costs.

51. Replace light bulbs with energy saving light bulbs for energy, and that last longer and save money.

52. Turn down the heating thermostat. If there are unused rooms in your house and then turn off the radiator and close the door. If you live in a house with two floors, you can turn up the thermostat down even more, because heat rises. Turning the thermostat on your heating for 10-20 you will be amazed how much energy you'll save per year.

53. Installing more insulation in your attic, replace old shirts curtain curtain liners with new insulation and sealing drafts. If you have a budget large enough, install double or triple glazed windows, these are very effective means of insulating your home, saving money on heating costs. They also increase property value significantly.

54. Turn off lights if you are not in the room and make sure everyone in your home do the same. There is no reason to be charged for the unused light. As simple as that!

55. Do not leave appliances on standby, and that continue to consume electricity. Turn left to the wall and you could save up to 10% discount on their electricity bills. According to reports, the UK government is introducing legislation to make mandatory for all new machines do not have a blank screen due to the great loss that this brings.

56. You can save money on their water bills very easily if instead of a bath shower and spend time in the shower as little as possible.

57. If you have a large home with few occupants could halve your annual water bill by installing a water meter.

58. Turn your washing machine to 40. Unless your clothes are very dirty washing of 30-40 will bring them out to be very clean!

59. Do not be lazy sticking with your current utility company, shop around and make sure you are getting the best deal, you can use utility comparison sites to help you see which company is best for you and make use of Internet Cashback up to 37.50 pounds for the conversion of public utilities.

TRAVEL

60. Book flights early and save money. Although many of the low cost airlines flying to a regional airport that can actually cost less to fly into an airport closer to the city center (if you go on a dream trip) you do not have to pay a taxi to your accommodation.

61. Budget airlines like Ryanair are now charging per piece of luggage in the hold in an effort to accelerate its turnaround. If you can, pack what you need (scissors less, mops, etc) in your checked baggage. This also means that you do not have to wait around to collect their luggage at arrivals.

62. hotels on-line instead of walking in unannounced and be beaten with the foot tends to be higher-in rate.

63. Buy online car rental arrangements in place for when you arrive. Car rental is a competitive market and there are plenty of deals to save money available.

64. If you're planning a trip by train or bus then book early, look for bargains and do not travel at peak times. If you buy your ticket on the day of travel will be much more money than if you book in advance.

65. If you are on a train or a long-haul aircraft, buy your refreshments before boarding as drinks and snacks are always above the prices once you are traveling.

66. There are plenty of websites that will send money free samples or coupons for the best and keep checking for signs that wish to receive. Samples of shampoo and body lotion are excellent materials for weekends away!

COMMUNICATIONS

67. If you do not use their landline phone often then change to a pay as you go mobile phone, it is foolish to pay for line rental if you do not use.

68. If you do not use broadband Internet often then cancel and make use of free wireless Internet in most restaurants, cafes and bars. Simply take your laptop and connect to your mobile for free (although it could cost you a cup of coffee!). You can go to the library and use their computers for free and even have access to your printers and copiers at a lower cost.

69. If you are on a monthly mobile phone contract, think pay as you go instead. You will have much more control over what you spend, and you will be surprised how many people will call instead of you calling them!

70. Send an e-mail instead of calling or text messaging people. Most customer service departments respond to emails now if you have a problem with a service such as your utility bill which means you will not have to ring customer services premium rate phone number. You can also send your friends and family emails instead of calling them and even send birthday cards by email to save on shipping.

71. There are plenty of websites that let you send text messages to mobile phones for free so you will not use the credit to text while you can get online and use a courier service such as MSN Live to talk with family and friends via the Internet for free.

72. Get a digital Freeview box and cancel SKY or cable TV package. DTT has a lot of free channels and you can now watch most television programs on the Internet, so do not miss out on your favorite shows.

AROUND THE HOUSE

73. If you have a spare room, we announced a tenant. There are plenty of people who just want a room during the week while at work, so you could still get your privacy on weekends. If you live on your own can give a tenant a great company and help you pay your bills.

74. Do not be wasteful with products such as toothpaste, body lotion or foundation. When you can not get more out of the tube, opened it and you will be able to use the bits that could not come.

75. Reuse old ice cream tubs or take away packaging, can be used to freeze food or take your lunch to work.

76. If you have a pet, do not go buying high-priced beds pet shop, recycling waste paper from your office or buy their own home shredder and shred up their old newspapers.

77. Only fill the kettle with the amount of water it needs, filling up the waste from the total energy and takes longer to boil so you have to wait longer for your drink!

78. When using your dishwasher, make sure it is full every time, if they only have a few items to wash the hands after washing in the sink.

79. Instead of drying clothes in the dryer, hang outside in rainy weather or hang on a clothesline. This will also save the pretty clothes dryers longer and tend to shrink the clothes!

80. Learn how to make your own cleaning products that are as effective as the products you buy at the store and you can often use ingredients you already have in your kitchen cabinets.

81. Grow your own fruit and vegetables in your garden or rent a plot, especially if the vegetables to give your pets. Seeds cost almost nothing compared to the products themselves.

MOTORING

82. Reduce your car could save 100s of pounds each year on fuel and road tax so if you are just making trips to work and you should seriously consider purchasing a smaller, more efficient car.

83. Failure to renew your car insurance without shopping around first. Use a price comparison site and you can save £ 100s every year by switching to a cheaper provider.

For a price comparison service will CompareTheMarket.com.

84. If you travel to work on their own, trying to create a car pool with colleagues who live in their area, not just the savings in gasoline costs, which will also keep your car low miles.

85. Do not jump in your car for all trips, if possible, walk or bike and save money and get fitter.

86. Start a school with other parents in your area if you drive your children to school or consider walking there instead if you are in walking distance.

87. Do not drive too fast, most of the claim RAC car engines run more efficiently at 60-70 miles per hour, compared to 80 mph or more.

88. Check your tire pressure regularly, and if your tires are inflated by 20%, then we will use 10% more fuel.

89. Do not pay to get the car clean as it is a waste of money, set aside 30 minutes every week to wash yourself.

MISC

90. Instead of buying a newspaper, read the news online. Most newspapers have regularly updated websites that have all the news for free which can save about 15 pounds per month.

91. If you smoke, try to stop or reduce. The NHS has a lot of free services to help you do this and save you £ 100s each year.

92. Monitor the amount of alcohol you drink. If you are having a few drinks every day, try to cut out and only have it for special occasions.

93. Do not spend money you do not have gaming sites, especially online ones. It's easy to lose track of the amount of money they are spending most of the time, you lose that money. Try premium bonds instead if you want a chance as this way you will not lose your money.

94. It may be cheaper for you to pay for your prescriptions in advance with a certificate of pre-payment if you pay for more than five prescription items in four months or 14 points in 12 months.

95. Buy generic drugs when possible, a packet of 16 costs about 2.99 pounds Anadin however, a packet of Sainsbury mark only cost about 33P.

96. Cut and color your own hair, or get your friends to help. There are lots of great color DIY equipment out there to give a new look for under 5 pounds and a pair of scissors will not cost much. Be careful though!

97. Pretend it's your birthday in one night and you might get a free birthday cake or a glass of Champaign.

98. Do not lose all their loose change, save in a jar and at the end of the year you will be amazed at the amount of money they have collected.

99. Make play money saving! Saving money does not have to make him miserable! You can still see their friends, buy candy or go on vacation, just have the added advantage of being proud of your finances instead of hiding away from them!

The author of this article is a keen blogger about cash back offers for retailers, such as ASDA and affiliate marketing programs.