Turning the termostate down by 1 degree centigrade can save you 10% per year. (more…)
Archive for the ‘Spending Less’ Category
Turn Down The Heat and Save £££
Wednesday, November 5th, 2008The National Lottery – it won’t be you!
Wednesday, August 27th, 2008It’s a mugs game and called by some, a tax on the poor. (more…)
Consider a pay-as-you go mobile, you’ll save money.
Sunday, June 1st, 2008People can still contact you where ever you are, which is the primary benefit of a mobile phone. For that, it does not matter at all which tariff you are using. (more…)
Choose a high efficiency condensing boiler and save a third off your bills.
Monday, May 5th, 2008Many households are spending upwards of £700 per year on heating and hot water supplied by a gas boiler.
Keeping an old boiler going or never getting it properly serviced can be a false economy as newer modern appliances can bu upto one third more cost efficient.
Slash Supermarket Spend By Some Simple Planning.
Tuesday, January 22nd, 2008Save up to 30% of your grocery spend by planning a weekly menu.
Buy Gift Vouchers On Ebay And Save 20%
Tuesday, December 18th, 2007Check Ebay after Christmas day, you’ll find many, many gift vouchers for sale at knock down prices. (more…)
Before Spending - Think how much labour it is costing you.
Monday, September 24th, 2007Karl Marx stated the only thing the working classes possess is their labour. That’s not true now, but for most people, we work for so many hours, then we get paid an hourly rate for working those hours.
So when we spend money from savings, we spending from our past labour. When we spend on credit, we are spending money we have not earned yet, in other words we are spending our future.
So, the next time you are about to make non-essential purchase on credit ask yourself, how much of my future is this costing me?
Many people in need of debt management help, have in effect already spent years of their future. If your circumstances allow you to quailify for an IVA, then at least 5 years is as far in the future and a return to a debt free life need be.
I saved £550+ for 20 minutes work
Friday, September 14th, 2007Are you paying for something you don’t need? Are you paying for service you can get elsewhere much cheaper. Are you missing on reductions by not managing an account online?
A quick review of my outgoings showed I was spending £500+ more than I need to. (more…)
If you haven’t already, start budgeting for Christmas now.
Tuesday, September 4th, 2007In the debt management and debt consolidation industry February is busiest month of the year.
Apart from those selling Valentines cards, I can’t think of another business where this is the case.
Why February?
Because too many people overspend in December, the credit card bills arrive in January and creditors are on the phone by February.
Plan the presents you need to buy and really think about what that person would really appreciate to receive. Last minute buys are often over expensive to compensate for the lack of thought.
Like everything else, decide upon a budget you can afford without getting into debt or increase current debt. Make a list and stick to it.
Sell your clutter on eBay or at a Car Boot Sale.
Monday, September 3rd, 2007You own stuff that is worth more to others than yourself. Cash in on that fact.
- Have you got clothes and shoes you’ve not worn for 2 years?
- Old Books, DVDs and Cd’s cluttering up your home?
- Stuff in cupboard than have not seen light for day for years?
- Kids toys than will never be used again?
Free yourself from emotional attachments to the junk in your home and make a few quid into the bargain.
If something is worth more to someone else than it is to you, then it makes good business sense to sell it. You’ll benefit in other ways as you make more space at home.
This is also a good psychological exercise as it will focus your mind on how much you paid for items, who little value you have had from them and how little they are worth now.
This will help educate you as to the foolishness of spending on things you just do not need.
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What’s the most you’ve earned from selling something you thought was worth little? Please share your experience by leaving a comment.
