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Money
Saving Guide
Moneyforums guide to SAVING MONEY ££££
- Start today and save thousands off your annual spending
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Money
Saving Guide - Start saving £'s today ! - Updated Nov 2006 |
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1 |
Save
Money on your Gas & Electric Bills by switching |
Why
Should I switch Supplier ?
If
you're signed up with British Gas and the
traditional electricity supplier in your region,
you can probably save more up to£170
EVERY year by switching energy suppliers.
Suppliers are always changing their tariffs
and prices, so regardless of which company
you're with, you might still be able to save
a substantial amount, by using the online
switching service
Uswitch.com
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How
easy is it to switch Supplier ?
Switching energy suppliers
is simple. The process is as follows:
- Compare all of the suppliers
and packages using the
Uswitch.com calculator.
- Select the most suitable
option and fill in your personal details.
To compare and sign up takes around five
minutes.
-
Uswitch.com will send you an email to
confirm the switch.
- The details are processed
and forwarded to the supplier.
- The supplier will contact
you to confirm the date on which your new
service will commence. You will have to
take a meter reading on this date, to ensure
you're not billed twice for the same energy.
Is
switching energy suppliers a complicated process
?
No, around 100,000 people switch their gas
and/or electricity suppliers every week and
90% of them say switching is easy, according
to an independent MORI survey.
Will
there be any interruption to my supply?
No. Your new supplier will continue to use
exactly the same wires, pipes, and meters
as you currently use. Your new supplier will
also contact your existing supplier to arrange
the transfer of your supply. The only change
you will notice is the company name at the
top of your bill.
If
I decide to switch, do I need to contact my
current energy supplier?
Your new supplier will arrange the transfer
for you. Your new supplier will take a final
meter reading from you (at the date of transfer),
so your current supplier can produce a final
bill (you may need to ensure this is done
at the time of transfer).
Can
I get gas and electricity from the same supplier?
Yes. Many suppliers now supply both gas and
electricity and offer combined plans that
include incentives, discounts or reduced prices.
These plans are often referred to as "dual
fuel" deals.
Service
Rating - what is it, and how is it calculated
for each company?
Uswitch.com has
developed an impartial rating system which
assesses the quality of service provided by
energy suppliers. Each company is measured
on its range of services, current and past
performance, and record with the regulator.
The rankings provide a percentage for each
fuel type for each supplier, with 100 per
cent being the best and ten per cent being
the worst. To achieve a high rating a supplier
must offer a range of services including varying
payment methods, call centre support and extras
such as green energy tariffs. In addition,
they must not have had any actions taken against
them by regulatory bodies in the last six
months.
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2 |
Do
your shopping online
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Shopping online
can often save in some cases as much as 33%
off the price in the high street stores as
they don’t have the same overheads involved
when selling online. The best way to shop
online is to use price search engines that
find the best price or if you have more time
to invest, regular search engines to find
multiple online stores that sell the product
your looking for .
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How
easy is it to Shop online ?
As simple as a mouse click
! The goods and services are usually presented
in a catalog style. And all the buyer needs
to do is add the goods they want to buy to
their basket after which proceeding to the
checkout process and paying by credit card.
Is
online shopping safe ?
Did you know shopping online with a credit
card is safer than paying cash in a store?
You are 100% protected against fraudulent
charges on your card, including misrepresented
items online!
If your card is ever billed
for a charge you did not authorise, simply
call your bank and have them issue a chargeback.
What
is a chargeback?
A chargeback is when you are
refunded your money for a transaction you did
not authorise, did not receive goods for, or
were defrauded in some way.
How
do I ensure I am shopping safely ?
When buying goods online in
a secure environment you will see 2 things
happen.
1. The web address (URL) on
their site should change from something like
http://www.website.com to https://www.website.com.
Notice the "s" in "https".
This means the page is a secure web page.
2. A small lock icon should
appear in the browser window indicating the
web page is now secure.
When the web page is secure,
all data transmitted is fully encrypted, which
means that if anyone is able to intercept
the signal between your computer and their
website, they will not be able to decipher
the data. Data sent through a secure page
is almost impossible to crack. So just be
sure that the website you are on has encrypted
and secured your data and you will always
be fine.
Which
online price matching services do you recommend
?
Pricerunner.co.uk |
Pricerunner
are by far the most comprehensive service
in the UK market, listing over 2.6 million
prices from over 4,000 retailers. Their
service has the highest bookmark rate
and average visit time of competitors
in the UK. Retailers include, Dixons,
Comet, Pixmania, Digital direct and misco
etc. |
Are
there any high street stores that offer online
shopping ?
Yes, many high street stores
offer online shopping and 'some' carry discounts
against their instore prices, here are some
of the more competitively priced high sreet
stores, with offers available for signing
up.
Maplins.co.uk |
Maplin Electronics
has 12,000 audio, video, electronic and
computer products, components and accessories,
all available online. - Special
discount of 10% on first order vouchers!
Free delivery, and regular bargains |
Argos.co.uk |
Argos is one of the most
successful, online and high street retailers
in the UK today, regular online discounts
and special offers are available |
Boots.com |
Boots is the UK's leading
Health, Beauty, gift and Baby website.
It includes over 12,000 products. Click
for ongoing discounts including 10% off, and special
offers. |
Which
online Stores do you recommend ?
All the stores below have
been checked to ensure that they are long
established, UK based and offer competitive
pricing.
Buy Electrical Direct |
Sells a whole
range of electrical goods, regular bargains
section and special offers. |
bargaincrazy.com |
Offer thousands of top
brand products in a variety of categories
including clothing, footwear and accessories,
childrenswear, sportswear, products for
the home and garden, home entertainment,
toys, games, gifts and jewellery, with
regular discounts. |
Misco.com |
The lowest priced Computer Equipment and components ! Misco is Europe's largest IT reseller, specialising in the sale of computers and related products.
As the second largest provider of I.T. equipment, Misco offers both consumers and businesses throughout the UK a one-stop solution for all their I.T. needs, including a source and supply service and IT related services. Same day despatch ensures that customers receive their products without delay with all orders placed by 6pm delivered the next working day. |
Great Universal |
The grand daddy of mail
order shopping with many catalogs and
high street stores under its name.and
jewellery. 1000s of top brand products
in a variety of categories. With
special 20% money off offer on first purchases. |
vitsdirect.com |
Vitamins Direct is one
of the UK's premier suppliers of vitamins,
minerals and supplements. That aim to
consistently offer customers the highest
quality merchandise at the most competitive
prices, which is why people keep coming
back to for more. 10%
money off offer on first purchases. |
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Staples is one the UK's biggest and most competively priced small and large office supplier - Free gift on orders over £60 (ex VAT) - Plus Free delivery on all orders over £30. |
SHOP.COM |
SHOP.COM is the UK's
leading one-stop shopping portal with
over 170 merchants and over 360,100 competitively
priced products on our virtual shelves.
You can choose from 100's of retailers
including , JoJoMamanBebe, Choices Direct
(Movies, Games), Robert Dyas, F Hinds,
Charles Tyrwhitt, eLingerie, Blooming
Marvellous, Pharmacy2U, Advanced MP3 Players,
HeavenSent Babycare, BuyaGift, KlausKobec,
Boys Stuff, Firebox, I want one of those,
Toy Centre and many more.
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3 |
Book
your Holidays Online
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Over a quarter
of holiday makers now book their holidays
online, due to the conviencene, choice and
potential to save money in many cases upwards
of 25% !
The advantages of booking holidays
online are that you can get compare prices,
sometimes get cheaper deals, see pictures
of your destination, research the area you
intend to holiday, even find webcams so you
can see your destination. as well as booking
online at far lower prices than if you had
used a traditional travel agency.
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Top
Tips for booking online
- If you are free to travel
at any time of the year, take the time to
check prices carefully. During the low and
mid season periods, you can save up to 50%
on both hotels and flights.
- If you are renting a car
then enquire if there is free parking in
your hotel. Some hotels do not have any
car-parking facilities and others ask for
a parking fee. This is particularly important
if you are on a tight budget.
- Make sure the Travel agency
your booking with is an ABTA bonded company
Before
leaving for your holiday
- Allow
plenty of time to get the relevant visa.
- Ensure you have adequate
holiday insurance policy cover for your
desintation that covers money, medical and
activities.
- Read up about your destinations
before leaving so you can enjoy yourself
straight away on arrival, i.e. maps etc.
- Get vaccinations if necessary
before leaving.
- Don't buy loads of new
clothes - be ruthless when packing - most
people can manage with half what they take
with them.
- Take an extra carrying
bag - it can be used as a day bag and to
bring back a few souvenirs.
- Keep
your passport in your hand luggage with
your tickets.
- Try and memorise your passport
number incase you lose it!
- Write down addresses of
friends and family, you may want to send
postcards to, in a small address book.
- Arrange for diabetic/vegetarian/vegan
meals for your flight with your travel agent.
- Remove old destination
tags to avoid any confusion .
- On the day of your flight
call the airport to check that your flight
is on time.
- Find out how many 'carry
on bags' your airlina allows - luggage 20"x15"x10"
is average
- Purchase some water purification
tablets if you are planning a stop over
in a country with suspect water sources.
- Plan a rough itenirary
of where you would like to go.
- Pack essentials such as
a toothbrush, clean underwear and money
in hand luggage, incase your check in bags
get lost.
During
your journey to your destination
- Reduce the pain of popping
ears; suck a sweet, swallow hard or gently
blow your nose.
- Try to drink plenty of
water to avoid becoming dehydrated- the
cabins highly pressurised air is very dry.
- Ask cabin crew if you can
move to a row of unoccupied seats so you
can travel in style.
- Minimise jet lag by adjusting
your watch to 'local' time along your journey.
- Walk around a little on
the plane to help circulation and make the
most of any refuel stops for a good stretch.
On
Arrival at your holiday destination
- Try to be as alert as you
can; weary travellers make easy prey for
pickpockets & theifs.
- Avoid making long distance
calls from your hotel room; it's likely
to attract a huge fee.
- Make sure any taxi you
get into is legitimate to avoid any shady
goings on
- If hiring a car, ensure
you have appropriate insurance to cover,
carefully check it for dents, scratches
etc and insist the rental company makes
a written note to confirm.
- Never let a stranger look
after your bag - they may steal or put something
in there.
- Ensure that you use sunscreen,
wear shades and lip protection.
- Check for hazardous currents/
tides or dangerous marine life before swimming/surfing
etc.
Recommeneded
Online Travel Agents & Services
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lastminute.com
offers low cost heavily discounted packaged
holidays at short notice bookings. The
services are widespread from package
holidays, to flight onlys to special
ticketed events. Discounts
range upto 70%
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The
London Pass
is a Sightseeing Card that offers:
Free Entry to over 50 London Attractions
- Tower of London
- St Paul's Cathedral
- Cruise on the River Thames
- Windsor Castle and many more
- 30 Benefits in Shop's and Restaurant
- Free Public Transport in London
It's all inclusive pass, that makes
you feel like a ViP in this huge City
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Nothing within this Website is, or shall
be deemed to constitute, financial or other advice. Any and
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information purposes only. We recommend that independent professional
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