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How to Save Money On Your Monthly Bills

July 26, 2017 by admin

There will always come a time for most of us when we need to tighten the purse strings and try to cut down or at least limit our monthly spends. We often write off some aspects of our monthly bills as a ‘given‘ or something that we simply haveĀ to pay for but this doesn’t always have to be the way. There are many ways in which you can cut down the cost of your monthly outgoings and today we are going to take a look at just how you can cut down on the bills, so that you have more to spend elsewhere.

List and Plan

The first thing to do is to sit down and start making a list of all of the services which you use, consider gas, electric, water, phone, mobile contracts, broadband costs and any other service which you are provided with.

Check Terms

The next step is to check the terms of each contract, you can usually find these online if you have mislaid yours. What you are looking for here is any terms of conditions which say that you are locked in to the contract for a certain amount of time. Should this be the case then lay the contract to one side but ensure that you are reminded of its date of renewal when the time comes.

Search Better Prices

Assuming that you are able to get out of your contract early and switch providers, now is the time to look for better prices on your current services. For example, if you have a car which is up for renewal, you could look on websites likeĀ Chill Insurance which compare various insurance providers so that you can get the best price. Equally you can scour the internet to find out if there are better prices on your other services.

Make The Call

Most service providers will have a deal or two in their pocket that they could offer a potential leaver. For this reason you should first ring your current provider and tell them that you have found a better deal and that you are taking your business elsewhere. More often than not they will offer you a similar price or deal, at which point you should probably accept, providing that you are happy with the service, this saves a lot of effort. If you are not offered a good enough deal then take your business elsewhere and you will be able to start saving money in no time at all.

Re-Negotiate

If you are trying to reduce the cost of a personal loan or a mortgage, you are going to need to go and speak directly about it with the manager of the bank or loan company and seek to renegotiate your deal. Situations change in a short amount of time and you may be in a far better financial position, for this reason you have more chance of being able to get yourself a better monthly price on your agreements.

Don’t just accept that you must pay a lot of money each month, monthly bills do need to be paid, but not at such a high price.

Filed Under: Uncategorized Tagged With: finance, money, personal finance, save money, saving

Top Tips For Saving Money For Your Travels

February 16, 2017 by admin

Heading away for a journey doesn’t come cheap, especially if you’ve decided on a serious of short breaks throughout the World, in one fell swoop. This is going to be a super exciting time in your life and if you are sensible, you will use the time that you have left back at home, to bank as much as humanly possible for your travels. Making money and saving up isn’t always easy but it is a damn site easier when you have a sold base, than when you are on the road.

Bought a travel wallet :(

If you want to truly maximize your travel experience then it’s time to get serious with putting money together for your journey and here are some top tips to help you out.

New Ways To Earn

Getting a second job might suck a bit, but when you are spending all that extra income on the beaches of Rio or the night markets of Bangkok then it will all be worthwhile. If you work full-time then look for evening jobs such as bar and restaurant work to put some extra cash together. If you work irregular shift patterns or struggle to find the time to dedicate to full time work then try looking online for ways to earn. The internet has so many options when it comes to online income, you could freelance as a writer or designer, you could start your blog, you could even do some online gambling, check out some of the online slots uk no deposit deals that are on offer and go get that jackpot!

Just Say No

One of the hardest things to do when saving money is being able to say no to friends or family when they ask you to go out for a meal or a few drinks with them. It might be a pain when your pals are out living it up and you are stuck working or staying in, but it will all be worthwhile once you hit the road. The money you spend on a night out could easily equate to a plane ticket so just think about that next time the pressure is on.

Stay Focussed

Staying focussed on why you are saving your money is key to the whole process and there are lots of ways in which you can do it. Try something as simple as placing a photograph of your favorite destination in your wallet or purse, this way you will see it every time that you want to spend money and perhaps reconsider. Another great tip is to crete a dream board, essentially a notice board with all of the destinations that you want to go to pinned up on it. Put the board in your bedroom, bathroom or living room, anywhere that will mean you see it frequently. These little tricks and methods can really help you stay focussed on what is important when it comes to your savings and you will truly feel the benefit of not buying that coffee or that sandwich when the time comes to hit the road, keep it tight, and stay focussed.

Filed Under: Holiday in... Tagged With: saving, saving money, saving up, Travel, traveling

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