As the winter rolls in and the weather takes a steep turn for the worse, it may be tempting for many people to turn up the radiators as high as they will go, add some extra logs to the fire and boil the kettle for all the hot water bottles they need for the winter. However it is also important to see what else you can do to your property to help increase the temperature in your home without having to increase your heating bill. [Read more…]
There are all kinds of expenses to pay for in a busy modern life. From rent and utility bills to car insurance and clothes, it seems as if all of your salary goes on the essentials you need to survive. Perhaps you think that you can’t cut your expenses any more than you already have, but there are probably several things you’re spending too much on. Sometimes your essentials aren’t quite as essential as you think, or you can change the way you spend on them. Even expenses like electricity and water bills can be carefully managed so you can cut them down.
Food is, of course, essential to our everyday lives. But it may surprise you that you can save money on your food in ways you haven’t thought about. Some ways of saving might require you to change the way you think. For example, one way to make the most of your food budget is to avoid buying branded products. Many unbranded products, such as supermarket own brands, are no different from the products with big names. The ingredients are the same, and the taste is often the same too, but the price is much lower. It might be hard to let go of your favourite brands, but doing so will save you a lot of money. You can also save money on food by planning meals in advance to help you avoid the temptation of frozen and ready-made foods.
There are plenty of sensible ways you can cut down on your household bills. With the price of utility bills rising, you obviously want to reduce them in any way you can. Of course, you need to keep your family warm, clean and fed, which requires water, gas and electricity. But you don’t need to push your bills to their limits. Avoid putting the heating on unless everyone is still cold with a jumper on. Don’t run the water unnecessarily and take showers, not baths. If you look at stats on cutting your water bills, you’ll find that you could save 50 litres of water by cutting your shower time by 5 minutes. Turn lights off when you aren’t in the room and don’t leave things on standby to save electricity.
If you drive, your car is probably one of your biggest expenses. There’s the cost of buying it, the insurance, tax, fuel and maintenance costs. You may think that all these costs are inevitable if you want to be able to drive, but there are ways to cut back. To begin, consider buying used cars instead of new. If you’re careful about buying and make sure to research and check each car, you can get a decent vehicle for a much lower price. Buying several used cars in a few years could end up cheaper than one new one. You should always shop around for insurance too, and get the best deal on any maintenance costs. Don’t always go with the first company you find.
Essentially an Energy Monitor allows you to check the total amount of electricity that you are using in the home at any one point in time. It is a simple, inexpensive way of communicating with your household the actual cost of electricity and of motivating yourself to start controlling the bills.
There are varied types of loans that exist for people with different financial needs. When financial crisis hit you, it is always easy to resort to getting a loan. In such times unsecured loans with direct lenders should be the way to go as their secure counterparts require some kind of asset of value or property. Since the unsecured loans calls not for collateral, lenders raise the interest rate higher than that of secure loan. The reason why the interest rates are high is to serve as an incentive so that borrowers can repay the loan as soon as possible.
The 1991 taxing system saw the council rushing to put a value on houses across England, Wales and Scotland. In their rush to value the houses, the council placed houses in various council tax bands by simply looking at the house. This, however, saw some house owners paying council tax outside the actual council tax band. It is for this reason that you may ask yourself, is it possible to lower my council tax band? The answer to this question is yes.