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Top Ten Money Saving Tips
In the current economic climate we are all looking for ways to spend less cash, so here are our top ten money saving tips to help you spend less.
1. Look for cheaper gas and electricity. If you haven't already done so, with recent cuts in energy prices, now is a great time to switch. British Gas for instance have some excellent dual fuel rates if you use them to supply your gas and electricity.
2. Don't get caught out by bank charges. You can easily go over your overdraft limit or forget when the interest free period on your credit card expires, but even a small mistake can cost you a fortune in interest and fees. Sort out your household budget and plan your spending.
3. Don't be scared to complain. If you are unsatisfied with a product or service you have paid good money for, you may have cause to complain. If your complaint is justified you could get a refund, money off or vouchers to spend another time.
4. Don't be fooled into spending more on big brands. Supermarket own brands of toilet roll and staple foods like flour are much cheaper and you will be hard pushed to tell the difference.
5. Shop around for your financial products like mortgages, credit cards, savings accounts and loans. Even in the credit crunch there are big differences in interest rates on offer, and even a difference of one per cent on your mortgage could add up to thousands of pounds over the lifetime of the loan.
6. Be your own person. Instead of keeping up with the Jones's, ask yourself what you would rather have, a brand new car or more money to spend on days out with the family? Don't be competitive and work out your own priorities.
7. Stop smoking. It's anti-social, it's bad for you and it's very expensive.
8. Wait for the sales. Look for the sales to get your clothes and household goods. Buy your Christmas cards, decorations and even presents at bargain prices in the January sales and keep them for the following year.
9. Learn to cook. You can pay a lot for ready made sauces and takeaways. If you learn to cook you can eat healthier, tastier food very quickly. Cook up twice the amount you need and freeze half for another day.
10. Don't spend money on a gym membership you hardly ever use. If you go three or more times a week then great, if not you're probably wasting your money. Many local authority gyms let you pay for the odd session rather than signing up for a monthly bill. Walk, cycle or run for free.
About the Author British Gas have the cheapest energy prices on average in the UK. To find out more and take advantage of these great electric rates visit their website www.britishgas.co.uk
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