The first things you have to take into account when you receive your payslip are the unavoidable demands made on your salary by the Government, namely income tax and National Insurance contributions. These are generally deducted before you see your money. The amount you see as ‘net pay’ is yours but needs to be managed effectively. [...]
Saving money doesn’t have to involve making large sacrifices. My granny always used to say if you look after the pennies the pounds will look after themselves. Small savings of even just a pound everyday can have a great impact on your finances. Here are five tips on how to save a pound each day: [...]
It is so easy to get into debt, but not as easy to get out of it. The best solution is of course never getting into debt in the first place. Here’s my advice on how to scrape those pennies together if money’s a bit tight to avoid the debt cycle. The first thing you [...]
Many people are struggling to keep their heads above water in the current economic downturn. Some have even had to take cut in pay, while their financial commitments have gone up and up. One solution to the problem is to try and increase your income with extra work. If you already work full-time, you may [...]
In the current financial climate, everyone is trying to save money. For every family, there are many unavoidable financial commitments but, with careful budgeting, you can ensure you get the very best value for your money. Charges for essentials, like insurance, and utilities, such as electricity, telephone, and gas, have increased a great deal over [...]
Trying to get to sleep whilst in debt can be a nightmare. Being proactive about debt is a first step on your way to getting debt free. There are many ways to alleviate and get rid of the debt monster but being creative and forward thinking and crucial to success. There are only two sources [...]
If you’re thinking about going into town to buy some new clothes then stop and think again! Why waste money on petrol or public transport, parking and then overpriced shops when you could do all this from the comfort of your own home and save a great amount of money. Using the internet to shop [...]
Reducing your carbon footprint is all the rage at the moment and If like me you don’t like to spend lots of money on expensive products that are made from super sustainable resources and don’t like to give up some of those small luxuries then you’ll be please to know that there are a few [...]
Are you always being plagued by the ever increasing energy prices? Last year gas, oil and electricity prices rocketed to sky high levels and most people were left feeling very out of pocket and not only are these costs jumping to new unseen levels but the credit crunch is hitting hard and so any chance [...]
Talking to a machine on the phone can drive you insane, especially if the per minute charge is a ridiculously high price All you want to do is talk to a human and all the company your calling wants to do is make you bankrupt but help is at hand from cheapflights.co.uk who have come [...]
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