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Steviearn | 19/02/2018

Say goodbye to expensive business call cahrges.

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telecommunication / internet

If your a business still spending money on call charges and ever inflating rentals, check out CloudCall365. CloudCall365 is a business grade VoIP phone system and includes free calls to standard local, national & UK mobile numbers — for one low monthly price. You’ll save money, be more flexible and work smarter in & out of the office. www.cloudcall365.co.uk



KeithO | 14/02/2018

Virgin Airmiles

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trips, accomodation

You can buy Virgin air miles at £15 for 1000 miles plus a £15 transaction fee. So that's £30 for 1000 miles and £90 for 5000 miles

If you use Tesco clubcard points instead, you can buy 1250 miles for only £5, and if you wanted to spend £30, you'd get 7500 instead of a 1000!

happy flying :-)


KeithO wrote on 14.02.2018 at 16:17

not sure why the thumbs down. If you collect Virgin miles, this is a great deal



KILGHARRAH | 12/02/2018

Regular Saver Accounts

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costs of living

There are some pretty decent rates available when you save regularly, and some even allow regular monthly withdrawals.

Some are paying 2.55% and Saffron 3.5% which are both great rates



Widget78 | 09/02/2018

Saving for rainy day...

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pocket money

Sometimes the old saying "A bird in the hand is worth 2 in the bush" reveals it's self have more credit than we give it credit for.
This brings me to the reliable commodity of gold.
If you are interested in saving some money, but not overly worried about interest you've got a couple of choices.
1) leave it in the bank
2) stick it under the mattress
or... 3) Buy some gold sovereigns.

3) is my personal favourite. (atm) its a relatively reliable investment, and being a "currency" it is free of Capital Gains Tax (CGT) and you can't just dip into it as and when if tempted like options 1 or 2.

So, when I have a "spare" £250, I buy a sovereign, this removes the money from the day to day spend, yet, on average I am pretty much guaranteed to get my money back, when I need it. The temptation to dip into is removed, I can't just bust the lock on my piggy bank to take out £20 when I want to go to the pub with friends... plus, if the market shoots up and I happen to make a little on my original investment, then Mr T Axman isn't going to come knocking on my door for his share.

Yes there are investments that will make you money, yes you could just implement self control over your finances. It has it's advantages, and disadvantages like any other investment, but I know of a lot worse. :)


sal2015 wrote on 10.02.2018 at 07:26

Receive some simple purchase advice here:

http://www.telegraph.co.uk/investing/gold/ (Premium only, although sign up and read one article for free per/week)

Stay clear of ETF's unless you are a pro.



dysonsphere | 08/02/2018

Currency exchange savings on trips

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trips, accomodation

This one is massive. If you travel abroad sign up here revolut.com/r/rodneyzvi and you will be able to get a card that you load up with your currency (and can spend at home like your daily Visa card) that you can use abroad without paying all the usual fees! It is a Godsend!

Spend your money as local currency without the fees and exchange rate costs!


dysonsphere wrote on 08.02.2018 at 21:02

OK just checked... no benefit for me. Go check if you don't believe me.


MIROW wrote on 08.02.2018 at 21:05

I believe you, though if the referal link does not give any benefit to those signing up there seems little point using it.


dysonsphere wrote on 08.02.2018 at 21:06

Well true... to be fair I didn't check just got the link from my app.



dysonsphere | 08/02/2018

Car excess insurance

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trips, accomodation

This can be $15 a day if you pay for it at the airport yet if you get it before you leave it can be $1 a day... it is cheap as chips and easy to get online and the car rental firms absolutely rob you for it.


dysonsphere wrote on 08.02.2018 at 21:45

Whoever gave this a thumbs down is an idiot. If you hire a car abroad you get robbed by the excess fees and insurance obtained here that does the same job and is a great safety addition is so cheap.


sal2015 wrote on 09.02.2018 at 08:20

Not just hiring a car abroad, its the same in the UK.


dysonsphere wrote on 09.02.2018 at 09:00

All I know is every time I go to hire a car they ask 'you want to take the extra insurance that saves you the huge excess at only $x/day? and by buying the insurance before I leave I know I have saved a bundle. the fact there are three negative thumbs is a joke and tells me all I need to know about this forum.



dysonsphere | 08/02/2018

Cards Against Humanity

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entertainment

Have you played this? Rather than going out and spending a fortune why not invite friends round and get them all to bring a bit of food to share and have a CAH night... you will not regret it as it is such fun!



dysonsphere | 08/02/2018

Better quality lower prices

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garment and shoes

If you go to charity/thrift stores in upper areas you will find really nice items barely worn and now out of 'fashion' (by maybe one year) but still amazing. You get really well made and beautiful clothes at a fraction of the cost.



dysonsphere | 08/02/2018

Lower heating expenses

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electricity

If you lower your homes temperature by 1 degree celsius you save 10% off of your heating bill. This is because the scales are different (one is celsius and one percentage costs) and you are comparing to the external temperature. So if it is 5'c outside it costs 10% more to increase the temperature inside from 19'c to 20'c and then again 10% from 20'c to 21'c. Your annual bill be be significantly reduced if you drop it by 1'c and wear a jumper. :-)



ayathullah | 06/02/2018

Giftaid

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donations

Tick the box and dont forget the taxman gives 25% for every donation to increase the goodwill



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