Free Money Saving Tips

We’ve been getting out of debt since 2004…Crunch time or not, these are money saving tips that work

  • Feb
    1

    Money saving tip 74: Avoid Pre-Packaged Food

    Anything that sits in its own nice little bag on the clean store shelf commands a premium for the convenience of having the food bagged for you.

    Buy your groceries loose and for a bunch of bananas for instance you could save yourself 30% compared to the bagged version.

    Small personal sized packaging is the most expensive form of product size and if you have the room for it, buy in bulk sizes instead.

    Jon says:
    “It took us a while to actually get to grips with this one, as the BOGOF deals have been a central part of our shopping strategy for a while, but also because we don’t have the room to buy in serious bulk.

    Instead of following this tip to the letter and buy in bulk we now avoid small sized packaging and also look for budget alternatives and supermarkets own brand products.”

    The most important reason for avoiding the small sized bags that haunt the vegetable isles in particular, is that they end up in the land fills.

    Take Action Today:

    Train your eye to look for loose groceries. The best place for quality loose food is the local farmers markets, but you do pay a premium. Hunt down wholesale stores like Makro and other similar stores that sell in bulk as well.

    The regular supermarkets also sell larger sizes  – Check out Tesco’s or Mysupermarket.co.uk

    Save money on groceries by shopping them online at Tesco’s (affiliate link)



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  • Jan
    11

    Money Saving Tip 31: Don’t spend what you don’t have

    Filed under: Latest money tips; Tagged as:
    Here is an old fashioned idea if I ever saw one, but what would happen to your finances if you every month, you never spent more than what you had?
    Financially and pretty much in every other respect, our lives are easier than in the olden days, yet more and more people are getting into trouble with money. Life may be easier, but managing money in the 1930’s was surely simpler. You could only spend what you had. And only a little bit more. Back then, if you spent a little bit more than what you earnt you would get into trouble very quickly. The greengrocer would stop extending your credit. The butcher wouldn’t sell to you and your landlord would be throwing you out.
    Now you just put it on your credit card and 4 years later you might get a letter asking for the money back.
    This tip basically tells you to go back to the old fashioned way of money management and make sure you
    spend less than you earn.
    It comes with baggage though; you have to track how much you spend. So you’d need a budget. And you need to spend time tracking your expenses.
    The pay off is that you have total control of your finances. The downside is that you’ll slow down the economy…
    Take Action Today:
    Get Your Budget Sorted!



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  • Jan
    8

    Pay 13 mortgage payments a year

    “Paying one additional mortgage payment each year, whether in a lump sum or monthly increments, can lower a 25-year loan down to 15 years.

    If you pay more than one extra payment, the number of years will decrease even more. Since this additional payment will be applied only to the principal and not the interest, you end up saving thousands and thousands of pounds on the Total Amount Repayable.”

    Only do this if you can afford it. If you’re already short of cash, paying off your mortgage faster doesn’t make sense.

    Do your budget planning and make sure you can handle the reduced disposable income before you go ahead.

    If you have other debts that charge a higher interest, you are going to be better off by paying those off first.

    At the moment I am snowballing an overdraft and 2 credit cards and I am not doing the 13th month until those 3 are cleared up. I use my 13th mortgage payment to actually pay these off faster. I use the monthly increment and add it to the snowball payment.

    If you have all the money you need, then this is a great money saving tip.



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  • Dec
    11

    What To Consider When Thinking About A New Mortgage

    Filed under: Latest money tips; Tagged as:

    There are many different types of mortgages available so you want to be sure that as you are choosing a program you are choosing one that will truly meet your needs, and one that will provide you with the satisfaction that comes from having just the right mortgage. The first thing that you have to do before you decide on a mortgage is know a little something about mortgages in general. This can help you make sure that the one you choose is perfect for you.

    The first thing that you have to make sure you know is that a mortgage is going to be a loan that you can take out to pay for your home. The mortgage will allow you to buy a home because you take out a loan and use the loan money to pay for your home. This way you can be sure that you are giving yourself every chance to be a homeowner. Once you have figured out a little bit about the mortgage process, it is time to choose which one of the mortgages is best for you. First of all, you want to be sure that you are choosing one of the mortgages that can full pay for your property. Therefore, you first must know how expensive the property is that you are looking at purchasing. Then, you want to be sure that you choose a mortgage that can fit this amount.

    Then, you want to be sure that the mortgage has the right kind of interest rate for you. You also want to be sure that you will be able to make the right types of monthly payments when you are dealing with your mortgage, so be sure that these are all covered as well as you can. For more information on how to save money on travel thus allowing you to pay off your mortgage earlier, visit http://www.featuredholidays.co.uk



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