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Some Tips In These Cash Strapped Times; financial tips for saving money
Topic Started: Aug 16 2008, 03:41 PM (172 Views)
cyman
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i hope this doesnt offend and rob doesnt mind but i thought i would start a thread so that if anyone has some tips to save money or online discounts maybe they could put them here so others can benefit. some maybe obvious to some but for others they may help save a few pounds. of course any tips given will be upto anyone who uses them to check but also please only post tips if you use them yourself personaly.


i have a couple of tips that i use but have a very important one for those with mortgages or some form of isa or investment.

firstly i will outline that i have done property development on and off for the last 7 years and for the last 5 i have used a finacial advisor who has saved me thousands. i use mi financial consultants in weymouth they are free,impartial,no contract,no obligation. they are also part of the st james's place wealth managment group who a very very highly thought of in financial circles they are also national. if you look on http://www.sjp.co.uk/portal/internet/ you will get the idea. you can use there enquiries line or web contact and they can put you in contact with a local partner.

to some the adove may seem stupid if you have a bank but when you see that in some cases you can get better rates through them from your own bank than your branch can offer it sort of makes you think. everyone i have reccomended to my local chap has swapped and stayed with him for years. with mortgage's costing a lot and everything going up i cannot reccomend enough that if you are looking for a mortgage,need to re mortgage,need secure investment (isa high interest account etc) financial insurance etc give them a try. the other advantages thay give for example say you get a mortgage with a 2 yr reduced rate and the 2 yrs is nearly up they contact you 2 months before and will find you another mortgage with a reduced rate so you can continualy save money on your mortgage year after year.

i am sorry if this is boring to some and i seem to be going on a bit but you will be surprised how many people still just go to a local bank for their mortgage.

if anyone wants to know the contact details for the weymouth office i use i will be happy to pm them to you.

hope this helps someone

si :D
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cyman
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shopping online

when you are buying any larger goods from say currys,dixons, larger national type stores etc always do a search online for discount vouchers/codes that you can enter at checkout. you will be surprised how much money you can save i have personaly found free delivery codes 10% off codes etc and on large goods these can save you tens if not hundreds of pounds.

some codes take a bit of digging but patience does prevail
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Loopyleesa
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Good idea :thumbsup:
[GK-customfield]Leesa Sutton[customfield-GK]Posted Image
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cyman
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buying electrical goods.


if you are going to buy say a big tv or something for the home that costs a bit and you dont like buying online then just do your homework, stores like john lewis will price match against online stores and often throw in extended warranties for free. if you arent sure check the website or contact the store to see who they will accept comparisons with then go and find the cheapest deal online and get them to match/better it for you.

i havent used this cos i buy from online retailers like digital direct but if you read up on avforums these are the tricks the avholics use when upgradeing. i would also reccomend using avforums for reviews reccomendations of any electrcal home entertainment goods you are thinking of buying them you can get the item that suits you,is good,and normaly has links to best deals
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cyman
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petrol

i think this has been mentioned on here before but thought i would put it again anyway.

firstly use petrolprices.com to find the cheapest local petrol.

also i use the shell citicard credit card this gives me 3% cashback every month against any fuel i buy in a shell garage. so at the moment just over 3p per litre off everytime i fill up and for me shell is the cheapest round here aswell. the card also gives 1% cashback on everything else i buy. warning though dont get caught and get into debt with a credit card the interest will cost more than you ever save. do like i do and only use it for fuel then clear it every month and it costs you nothing.

:D
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nakamura
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Loo Roll, dont buy Andrex, wilkos right price is sooo cheap and fairly smoooth too. Use less coz most people tend to use loads.

Cereal, Kellogs are generally the same as own brand just reboxed and over 1 pound more!!
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rob73
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yeah but martin that wilkos bog roll is crap,i always seem to end up pokeing my fingers through the soggy bit and gettin my hand covered in plop.
1995 wrx wagon the cleanest around!!!
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Fee
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Good idea this thread :thumbsup:

I agree with the loo roll thingy. Don't buy the usual "name brands". I know they're lovely and soft but I've been using Tesco's own for years. It may be a wee bit thinner, but it breaks down a lot quicker once it's gone down the loo so not only does it save you pennies, but it's a wee bit kinder to the environment too. :yes:

Go to Iceland for your shopping - or most of it anyway. They sell loads and are really cheap, even if you buy name brands.

Utility bills - shop around online. It may take a little time to put in your details, but will ultimately save you money.

I phoned up Virgin with regard to our phone/broadband usage (we haven't got a BT line) and when I said I was thinking about changing, they came up with a better deal. Providing the same service but for a fixed monthly figure that saves me quite a few pounds.

If you don't use a lot of water, it might be worth doing a small questionnaire online that will tell you if it's worth getting a water meter.

Mortgages - crikey that's a biggy. Well, I wanted to pay off load, credit card, overdraft and when I went to see my bank, they consolidated it all and the one off monthly payment works out less than all the separate ones. Also, I managed to knock FOUR years off the mortgage term. They also not only beat my contents and buildings insurance, but gave me a better coverage, knocked some money off the annual premium AND paid the for admin fee that my original insurance company charged me for cancelling. It might not be the same for everyone, but still, it pays to shop around.

Hope this is of use to some of you.

:thumbsup:
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Ivan
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If you own your own place and haven't already done it, get on to Wessex Water and ask for a water meter to be fitted.

Fitting is absolutely free and you can ask to go back on the old non-metered bills within one year if you somehow find you're not saving money.

Fixed metering is based on the rateable value of your hose irrespective of how much you use. With just two of us here in a Band D house our water bills have been halved!

My Mum lives alone and was paying £76 a month. Her bills have dropped to £26 every 2 months.
Posted Image[GK-customfield]Ken Holland[customfield-GK]
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nakamura
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rob73
Aug 16 2008, 10:34 PM
yeah but martin that wilkos bog roll is crap,i always seem to end up pokeing my fingers through the soggy bit and gettin my hand covered in plop.

LOL remind me not to shake your hand!!!! :lol:
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muthawhat
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Ivan
Aug 18 2008, 05:29 PM
If you own your own place and haven't already done it, get on to Wessex Water and ask for a water meter to be fitted.

Fitting is absolutely free and you can ask to go back on the old non-metered bills within one year if you somehow find you're not saving money.

Fixed metering is based on the rateable value of your hose irrespective of how much you use. With just two of us here in a Band D house our water bills have been halved!

My Mum lives alone and was paying £76 a month. Her bills have dropped to £26 every 2 months.

REALLLY???

my wife and I and our 18 month old live ina band C house and pay loooads on water bill, asked about a meter when i called wessex and they said it wouldnt save us anything so i didnt bother... are they telling me porky pies??
NO JAP CAR ATM.... can you help?
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Ivan
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muthawhat
Aug 19 2008, 08:27 AM
Ivan
Aug 18 2008, 05:29 PM
If you own your own place and haven't already done it, get on to Wessex Water and ask for a water meter to be fitted.

Fitting is absolutely free and you can ask to go back on the old non-metered bills within one year if you somehow find you're not saving money.

Fixed metering is based on the rateable value of your house irrespective of how much you use.  With just two of us here in a Band D house our water bills have been halved!

My Mum lives alone and was paying £76 a month.  Her bills have dropped to £26 every 2 months.

REALLLY???

my wife and I and our 18 month old live ina band C house and pay loooads on water bill, asked about a meter when i called wessex and they said it wouldnt save us anything so i didnt bother... are they telling me porky pies??

How much are you paying now?

Ours works out at £21 a month now they have had a chance to calculate exactly how much we use. That's with the 2 of us at home all day.
We were paying closer to £40 before under the "rateable value" method.

http://www.wessexwater.co.uk/meteroption/index.aspx?id=513

I'd go for it anyway - you can always revert to unmetered if it doesn't work out. And it's all FREE.
Posted Image[GK-customfield]Ken Holland[customfield-GK]
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muthawhat
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cheers for the heads up man, were paying liek 50 quid a month at teh mo for no one being home until the evening every day!
NO JAP CAR ATM.... can you help?
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