moneybeating tips for monthly budget planner
latest moneybeating tips
TOP TIP - Use off peak electricity, it’s cheaper!
09 Jan 2012 
Most electricity providers have ‘on-peak’ and ‘off peak’ rates charging a lot more for electricity consumption during the day compared to that charged for overnight use. Therefore, a good tip to reduce your electricity costs is to check with your electricity supplier what time your off peak (also known as ‘night rate’) starts and finishes and then try and use electricity during the off peak times where possible. For example, charge devices such as mobile phones overnight, run your washing machines, dryers and dish washers overnight (as long as it doesn’t upset the neighbours!) and turn on emersion heaters overnight. Most modern emersion heaters will have a timer switch installed that you can program to sync up with your energy suppliers off peak rates. For plug-in devices and appliances you can also use plug-in timer switches (which can be bought for as little as £3.99 each) that can be set to turn on after the night rate has started.
TOP TIP - Switch energy supplier for 2012 and save £100’s
09 Jan 2012
Millions of people are currently paying more than they need to for gas and electricity, and to add to the problem many of the big energy suppliers continue to announce price increases but by switching suppliers you could potentially save yourself £100’s off your bills! Use energy comparison sites such as uSwtich.com to compare providers and find the best deal, its free to use and if you switch providers there will be no interruption in the supply of your gas or electricity and your new provider will arrange everything for you. Follow the link below to save money on your gas and electricity now…
GUIDE - Store Cards, and what to look out for
06 Jan 2012 
Remember that Store Cards are Credit Cards, and that you can run up debt and get into to trouble in just the same way if you're not careful - so it’s important to know all the details. Here's a really useful guide from insmallprint.co.uk on Store Cards and some things to consider and look out for before entering into an agreement.
TOP TIP - Save over £800 with a New Year financial detox
04 Jan 2012
Why not try a New Year financial detox to help you gain control over your finances. By doing a few simple things such as switching your current account and getting cashback, switching to a 0% balance transfer credit card, earning more on your instant access savings with the right account and earning money on your shopping with a cashback credit card you could save over £800 over the next 12 months. Follow the link below to a very useful article from Confused.com to find out more…
TOP DEALS - Best current Broadband deals
03 Jan 2012
Sky are currently offering an up to 20mb home broadband service with free wireless router and free connection, an unlimited monthly download allowance and unlimited free evening and weekend UK landline calls for only £5.00 a month for 12 months (50% off normal price). No Sky TV package is required to take advantage of the offer. Talk Talk are also currently offering an excellent deal with an up to 24mb home broadband service with free wireless router and free connection (worth £30), a 40gb monthly download allowance and unlimited free evening and weekend UK landline calls for only £3.25 a month for first 6 months and £6.50 per month thereafter. And if you book online at the link supplied, you also get the first 6 months for free. Visit uSwith.com using the below link to check out these offers along with all other current deals from the best service providers.
TOP TIP – Reduce commuting costs with Car-share schemes
24 May 2011 
Car-sharing schemes, also known as carpooling, are where two or more people agree to share a journey into work together where their journeys take the same or similar route. Instead of using two cars and both paying for fuel and parking, you can spilt the costs by just using just one car. The more people you can get to share the journey the lower the costs for all (obviously the number of people is limited by the number of seats in the car!) Not only will the cost be spilt but it will also reduce the stress of the journeys for both the driver and passengers. The passengers are able to enjoy the relaxation of not having to drive and battle through traffic, whilst the driver will have some company to talk to and will be less likely to get stressed out and wound up with other drivers. As and added bonus, car sharing is better for the environment too as it reduces the number of cars on the road, which in turns reduces the stress for other drivers as the more people who car share the less traffic there will be and it will also speed up journey times and reduce fuel consumption, everyone wins! If you don’t know anybody who takes the same route to work as you there are websites such as www.rideshare.co.uk, www.nationalcarshare.co.uk and www.liftshare.com which you can use for free to find someone else to share your journey with. These sites can also be used for people who don’t own a car to get a lift to work as they can still contribute to the cost of petrol and parking.
