Tuesday 17 February 2009
they are giving money away
Ok, online gaming, you are thinking this is not a way to save money but when someone is giving away £500 free you have to take a look right. It might not be for everyone but if you are smart enough to play the system then you might just be able to make a bit (if you are no too greedy!) Anyway I was browsing the internet and found these people at Captain Cooks, and I had a go, there doesn't seem to be any strings and 308 games to play, there is plenty for everyone. Click on the advert to find out more.
Tuesday 10 February 2009
Energy saving Bulbs _ Cheaper at Lidl
I know that some people may not want to shop there but why not when you can get bargins on energy saving lightbulbs, save money by saving electricity!!
From 12.02.09
E27 Energy Saving Light Bulb - 15W
Globe bulb with screw cap
Rated life (hrs): 10,000
Price per item
2.25*
LED Light Bulbs
18 LEDs in each light bulb
Choose from:
- GU10 LED bulb, 1W
- MR16 LED bulb, 1.2W
- E14 LED bulb, 1W
- E27 LED bulb, 1W
Price per item
3.90*
Energy Monitor
Helps you accurately monitor the amount of electricity used by an appliance
Functions include:
- Current measurement
- Maximum current
- Maximum power consumption
- Mains voltage
- Mains frequency
- Total power consumption
- And many more
Max. 10 amp
Child-resistant socket
Batteries included
Price per item
6.84*
From 12.02.09
E27 Energy Saving Light Bulb - 15W
Globe bulb with screw cap
Rated life (hrs): 10,000
Price per item
2.25*
LED Light Bulbs
18 LEDs in each light bulb
Choose from:
- GU10 LED bulb, 1W
- MR16 LED bulb, 1.2W
- E14 LED bulb, 1W
- E27 LED bulb, 1W
Price per item
3.90*
Energy Monitor
Helps you accurately monitor the amount of electricity used by an appliance
Functions include:
- Current measurement
- Maximum current
- Maximum power consumption
- Mains voltage
- Mains frequency
- Total power consumption
- And many more
Max. 10 amp
Child-resistant socket
Batteries included
Price per item
6.84*
Monday 9 February 2009
TURN THE RADIATORS DOWN!!!
If you have thermostatic controls turn them down! Do you really need to heat the Bathroom up to the temperature of a Turkish sauna? Turn them down and save money. When your parents told you to put a jumper on as a child they did it for a reason, to get heat requires fuel, and fuel either gas or electricity is money, so turn them down and save.
Another good tip is if you have a leather sofa (or even a cloth one!) put a throw onto it, if you sit on a throw you are placing a layer of insulation between you and the leather and subsequently your body heat will remain more stable and you will remain warmer. If the room feels really cold wrap it around you, or even better tempt your other half underneath to give you a cuddle and keep warm together!!
Another good tip is if you have a leather sofa (or even a cloth one!) put a throw onto it, if you sit on a throw you are placing a layer of insulation between you and the leather and subsequently your body heat will remain more stable and you will remain warmer. If the room feels really cold wrap it around you, or even better tempt your other half underneath to give you a cuddle and keep warm together!!
Six Tips to start you off
Central banks in the US and UK are acting to hold off a looming recession. With the economy slowing down, we offer six tips to recession proof your life.
• Cut your spending. Make this a priority. Weigh up whether you really need that new flat-screen TV, and maybe going on a plush overseas holiday can wait one more year. Making sacrifices this year and living on a tighter budget will leave you much better off in the long run. I know this seems hard but try,try,try!!!
• Reduce your debts. Pay a lump sum on your credit card, and reduce any loan repayments. Make sure that you are paying the lowest rate possible on any borrowing you have. This might take some research, we will try to help here.
• Slash your bills. Make sure you are on the cheapest deals for your gas and electricity. If you have a mobile phone or broadband see if there are cheaper options available. Chances are, if you have been on the same deal for more than two years then you can cut your bill.
• Put money away for a rainy day and make sure you have a cushion of cash savings. There are some good rates around at the moment, particularly on Isas.
• Normally, when a recession strikes, interest rates are cut. This can be good news for homeowners as it means the price of tracker mortgages will fall.
There are some good tracker rate mortgages available, but don't take the risk if you cannot afford to. Taking a fix may mean you miss out on a possible rate cut, but it does give you the peace of mind of knowing what you will pay each month.
If your budget really gets tight then there are some drastic options available for reducing your monthly repayments. You could move some of your loan to interest only for a short time. Or increase your mortgage term from 25 years, to 30 or 40. Don't skip mortgage repayments.
• Don't change jobs. Companies make cutbacks when their profits get hit and staff are usually the first to be axed from the balance sheet. New employees can often be first in the firing line.
I know things like this can seem impossible to implement but trying is the first step, make small changes and they can add up to a big effect.
• Cut your spending. Make this a priority. Weigh up whether you really need that new flat-screen TV, and maybe going on a plush overseas holiday can wait one more year. Making sacrifices this year and living on a tighter budget will leave you much better off in the long run. I know this seems hard but try,try,try!!!
• Reduce your debts. Pay a lump sum on your credit card, and reduce any loan repayments. Make sure that you are paying the lowest rate possible on any borrowing you have. This might take some research, we will try to help here.
• Slash your bills. Make sure you are on the cheapest deals for your gas and electricity. If you have a mobile phone or broadband see if there are cheaper options available. Chances are, if you have been on the same deal for more than two years then you can cut your bill.
• Put money away for a rainy day and make sure you have a cushion of cash savings. There are some good rates around at the moment, particularly on Isas.
• Normally, when a recession strikes, interest rates are cut. This can be good news for homeowners as it means the price of tracker mortgages will fall.
There are some good tracker rate mortgages available, but don't take the risk if you cannot afford to. Taking a fix may mean you miss out on a possible rate cut, but it does give you the peace of mind of knowing what you will pay each month.
If your budget really gets tight then there are some drastic options available for reducing your monthly repayments. You could move some of your loan to interest only for a short time. Or increase your mortgage term from 25 years, to 30 or 40. Don't skip mortgage repayments.
• Don't change jobs. Companies make cutbacks when their profits get hit and staff are usually the first to be axed from the balance sheet. New employees can often be first in the firing line.
I know things like this can seem impossible to implement but trying is the first step, make small changes and they can add up to a big effect.
Welcome to the future
Help is at hand!!! Within this blog I hope to collect and display all the best tips for getting through this recession, everything from experts tips, comments on the government plans and anything else I think might help. Don't despair, together we can make it through!
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