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ZoeCFaircloth | 07/06/2017

What's the best way to start saving to get on the property ladder?

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costs of living

Did you make any huge lifestyle changes when you decided it was time to get on the property ladder?


MIROW wrote on 07.06.2017 at 11:21

Changing any 3 monthly, 6 monthly or Annual bills to monthly where possible so outgoings spread more evenly through the year



sanjaygane5an | 31/05/2017

Save on Electricity

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electricity

Use comparison sites and look for the TCR for the tariff you choose. TCR is the actual cost per unit to you. Don't get confused by the noise of cheaper than so and so, etc....They are are substantially higher, often up-to 50% more in some cases.



Take-the-lid-off | 22/05/2017

Hotels

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trips, accomodation

Find the hotel you want on any site and check the prices on a comparison site.

Tip: then phone hotel and ask what benefit you get by booking direct. I have had free ferry tickets, meals, bottle of wines and a free night plus been upgraded. Just got to ask.



Take-the-lid-off | 22/05/2017

Check those Bulbs

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electricity

The tip here is there is energy saving bulbs that save you a little bit but there are others that can save you a lot a more. For example chnaging your normal traditional incandescents bulb to an energy saving bulb can save you between 25% and 80% less energy.

Tip is go for the one that saves you most which in most cases is teh LED style bulbs. These can last up to 25,000 hours and throw out the same light as a traditional 60w bulb for example. Saving money when in use and saving on all those replacements.

Just have a look at the calculations and you may be suprised to have saving of over £250 per year.

These bulbs are more expenses to purchase first time round, spread the cost of a few months and reap the benefits in your next quarter bill.



bmub | 20/05/2017

Job Description for Car Insurance

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motor vehicle tax

When signing up for car insurance, take time out to make sure that you have filled in the job description accurately. Some similar job descriptions can increase or decrease your quote by as much as £40 !



Pascal_Bcn | 16/05/2017

Music

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multimedia

If you are currently using Spotify, switch to apple music and get 3 months for FREE! You are saving £30 within!


ZoeCFaircloth wrote on 07.06.2017 at 11:23

Cool, but make sure you cancel before the 3 months is up :)

Also, students can get Spotify for 4.99 a month using Unidays



Toluth | 15/05/2017

Join the food sharing economy

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costs of living

Eat neighbours' food for free. There are lots of app online that allows you to get quality food and drinks for free or offer free food to others in your neighbouhood.

Example include the Olio app used majorly in the UK. (Search of it on Google App store)

It is a great idea to reduce food waste and redistribute excess food from the haves to havenots.

Restaurants and hotels can join in too.

Would you dare eat a neighbour's food?


MIROW wrote on 15.05.2017 at 18:26

Yes I would


Toluth wrote on 16.05.2017 at 08:29

Or some good quality restaurant food. End point: no food wastage.

Does anyone know more apps that can be used for this?



Jake.Smith | 09/05/2017

Council Tax Bands: Lower your band & save £1,000s

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real estate loan

You may be among the over 400,000 households in England and Scotland who have over paid your council tax, and have the opportunity to be repaid in the thousands range by checking and challenging your council tax band within 10 minutes.

The repayment is backdated up to the time you moved into the property, and as far back as when the council tax was introduced in 1993.
More information: http://www.moneysavingexpert.com/reclaim/council-tax-bands-change


Toluth wrote on 09.05.2017 at 10:55

This is interesting. It is worth checking out. It would be nice to get other community users' response.


MIROW wrote on 09.05.2017 at 12:29

Well worth being extra certain before you try this particularly if you have carried out any household improvements that may have increased the value of your property.

I know one person who complained and instead of their banding going down it ended up being put up, and another person who's efforts resulted in the whole row of houses being revalued upwards much to the chagrin of her neighbours!

If however your property is distinctly different to neighbouring properties due to differences in design, build or condition it could be worth it.

In my case I had someone from the Valuation Agency come and look around similar to an Estate Agent's look around a property and then they went away and I waited until they finally wrote and told me their outcome.

One big word of warning is that this process is not reversible. If you end up having your banding increased you have to accept that fact. If you don't want to risk this then don't try!



Jay_Duployen | 05/05/2017

Save on your heating bills, for FREE

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total expenses

Get free loft insulation. Because heat rises, as much as 25% of the heat in your house could be disappearing into your loft space. What's more, even older properties that already have insulation in place may not have the recommended levels, particularly if it was installed in the 1970s or 1980s.

If you apply for a loft insulation grant, you could save about 19% on your fuel bills - which works out at an average of £128 per year.



Jay_Duployen | 05/05/2017

Save on Electricity - Switch it off

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electricity

Switch it off and save. Unplug all the appliances that you aren't using regularly - even chargers continue to use electricity when they aren't charging. Also, make sure you're not leaving appliances on standby: it may be easier but it's also a guaranteed way to waster energy compared to turning things off at the socket.


MIROW wrote on 05.05.2017 at 20:56

This is a duplicate post. This has already been suggested by another user.



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