The Rough Guide to Family Finance by Rough Guides

Author:Rough Guides
Language: eng
Format: epub
Publisher: Apa Publications
Published: 2014-12-23T05:00:00+00:00

☞ TOP TIP Investigate cashback sites such as topcashback.co.uk and quidco.com, to get a discount on everything from shopping to insurance, and look out for bargains and discount vouchers on websites such as hotukdeals.com and vouchercodes.co.uk

Saving on your spending

The easiest way to make savings and spend less is to make sure you are getting the best deals. This means shopping around both for financial products and for things like your utilities, television package and mobile phone. Use comparison sites to see if you can pay less for the service you are getting already, and think about changing your provider or downshifting to a less expensive tariff.

Online shopping sites, such as Amazon and Ebay, provide a shopfront for many smaller retailers who often offer their goods more cheaply than the equivalent in the high street or shopping mall. “Shopbots”, such as pricerunner and kelkoo, are search engines that trawl retailers’ websites to find the lowest price for the item you want.

Nectar, Tesco Clubcard and Boots Advantage are just some of the loyalty cards that enable you to clock up points as you spend, which you can turn into cash or use for future purchases. Most airlines operate a similar scheme for regular fliers. Never buy through a particular outlet purely for the rewards, however. Always make the keenest prices your priority, making sure you collect your loyalty points if a retailer offers them.

Always try to pay your bills in the most cost-effective way. For instance, utility companies will invariably offer you a discount for paying by direct debit or signing up to a “paperless” web tariff. Don’t pay extra for paying by cheque or receiving a bill through the post if you can save money by paying another way.

Finally, think about car sharing with a friend or neighbour, especially if you have children of the same age. You can take it in turns to do the school run, or even co-ordinate your supermarket shop so that you go together using just one car.

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