Get your finances ready for Christmas and save money

Our gas and electricity bills are some of our most substantial monthly expenses. Over a full year energy is likely to account for 5% of a household s disposable income. And yet, last year 85% of us did not switch energy supplier to find a better deal! In typical British fashion it seems that most of us are more likely to complain and stay put than to take the time to jump ship. However, for those who do opt to find a new supplier, the benefits can be huge. Why should you switch energy supplier? The energy industry has not exactly covered itself in glory over the past decade. Scandals over billing, huge price hikes and poor management have left customers angry. However, we are now in an era of increased choice when it comes to energy. While, a decade ago, it may have been a case of selecting the lesser of two evils, now there are many more options. Whether you want to buy your energy from a big name or a smaller coop there is plenty of choice. Best of all, if you do switch your energy
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How to switch energy supplier and save £100s

Our gas and electricity bills are some of our most substantial monthly expenses. Over a full year energy is likely to account for 5% of a household s disposable income. And yet, last year 85% of us did not switch energy supplier to find a better deal! In typical British fashion it seems that most of us are more likely to complain and stay put than to take the time to jump ship. However, for those who do opt to find a new supplier, the benefits can be huge. Why should you switch energy supplier? The energy industry has not exactly covered itself in glory over the past decade. Scandals over billing, huge price hikes and poor management have left customers angry. However, we are now in an era of increased choice when it comes to energy. While, a decade ago, it may have been a case of selecting the lesser of two evils, now there are many more options. Whether you want to buy your energy from a big name or a smaller coop there is plenty of choice. Best of all, if you do switch your energy
http://bit.ly/2fvYnuk

Is it worth buying boiler and central heating cover?

The nights are drawing in and the mornings have that crisp feel to them. Winter, as they say in Game of Thrones, is coming. It’s the start of several months when you’ll be relying upon your boiler to keep the house warm both in the evenings and early mornings and, as the days get colder, during the day, too. With boiler problems being highly inconvenient and boiler repairs being expensive should you take our boiler and central heating cover? If part of your central heating system fails it’s not unheard of for a repair to cost upwards of £2,000 – just what you don t need with Christmas just around the corner. Boiler-servicing and repair contracts might seem like the answer. Taking one out should mean that you will never have to worry about your boiler breaking down because you don’t have the money to get it repaired forcing you to sit freezing in an unheated home. But these central heating contracts are expensive too and, in most cases, are simply not worth the cost for t
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What to consider when buying a car

A car is one of the most significant purchases many of us will make. The initial cost, maintenance and petrol, as well as aesthetic upkeep all cost money. Whether for commuting, family use or weekend convenience, having a car can make a big difference. However, your car is a depreciating asset. So, for every year that you have it, the car drops in value. If you want to get the most out of owning a car there are a few key things to consider when you buy. New or used? Officially, cars fall into three categories: new, nearly new (under three years old) and used. Which one is right for you will depend on a number of factors, such as your experience and intended use. If you’re a first time driver then you might want to consider a nearly new car, rather than an old banger that will push your insurance costs up. If you’re not sure what car you really want then a used car might be a better choice than spending big on a new model. If only new will do then bear in mind that a pre-registered
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What are the best options for saving money?

Being able to save money is the key to future financial success. From a deposit for a home, to car financing and paying for holidays, savings come in very useful indeed. Despite this, many of us find it hard to save. Given the squeeze on so many household budgets, the rise in the cost of living and low interest rates, incentives to do it can seem few. However, once you accumulate savings you give yourself the freedom to make financial decisions. So, if you’re looking to get the most out of your savings what are your options? Under the bed This ‘option’ could be under the bed, in a shoebox, stuffed in a sock etc. For those who don’t trust banks with their cash this is often the first choice. The advantage of saving in this way is that you have complete control. However, there are many disadvantages too. You won’t earn any interest on cash that you keep under the bed and there is no official record of it. Cash that is ‘out of the system’ in this way won’t contribute to c
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How to rest so you feel properly rested

Last November in the UK an online survey called The Rest Test was launched. The idea behind it was to find out whether we are getting enough rest and what actually makes us feel rested. In the intense and constantly connected world we live in, rest can be hard to come by. If you’re one of the many millions of people in the UK who feels constantly tired and drained then you probably know this all too well. Sometimes even sleep or a day off doesn’t make a difference to how rested we feel. So, what did the results tell us? The survey says… In total 18,000 people from 134 countries took part in the test, providing a pretty large sample. According to the results of The Rest Test only 31.6% of us feel like we are getting enough rest. Just over two thirds of those who took part in the survey said they felt like they needed more rest. Around a third of people thought that they needed more rest than the average person. Only around 10% of people said they felt like they needed less rest t
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Does pet insurance make financial sense?

Britain is a nation of pet lovers. We share our homes and our lives with dogs, cats, guinea pigs, tortoises… even giant lizards. But owning and caring for a pet can be an eye-wateringly expensive hobby with vet bills for even minor operations running to hundreds of pounds. For many, the answer is pet insurance and the security in knowing that should your pet fall ill or have an accident, there will be somebody there to pick up the tab when you can’t afford to. But insurance is not cheap with monthly premiums which can sometimes be large plus excesses when you do have to make a claim. So, if you do have one or more pets and you’re concerned about paying for their care, should you consider pet insurance? What does pet insurance cover? There is a myriad of things that pet insurance covers and plenty of conditions that it doesn’t. Most pet insurance coverage is dependent on the breed of animal so you should start by comparing policies that cover your particular pet. Most insuranc
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