Yes I did say the C Word Christmas
Did you know there are 3-4 pay days until Christmas (depending on which day of the month you get paid). How are you going to plan to pay for Christmas without going into the red?
Make it a Debt Free Christmas
Below are some tips on how to make sure you have a stress free and debt free Christmas.
Do you have (or have you ever had) a credit card, store card, bank loan, or similar financial product?
Have you ever thought of checking to see if you had PPI?
There is no need to go to a claims company who will charge you 20% fee plus VAT. You can do it for free
Check for FREE to see if you can claim mis sold PPI
Do you dream of winning the lottery? If so you are like the majority of people who enter. Did you know that the chances of winning the lottery is around 1 in 14 million?
The weekly cost of entering a lottery can range from £1 to £2 per entry.
Yet a growing number of Free lotteries are on the increase and I have investigated and joined 3 which I think are excellent and below are my reviews
There are a large number of FREE lotteries in the UK and they are growing all the time
How often do you moan that you are paying too much for your TV subscription, home or car insurance, mobile phone contracts etc…In fact the list is endless.
But there is a way to save some money each month by haggling with your supplier.
How a quick telephone call to SKY means I now get a free coffee every day including weekends!
Thanks to SKY TV I now can get a free coffee every day including weekends
I want to tell you about how I have saved £300 a year with SKY TV with a simple telephone call. This is approx £5 a day – more than enough for a free coffee on the way to work each day (and while I am out shopping at weekends)
What could you do with an extra £1000 tax free cash a year
- Take a long romantic weekend break to your favourite European City and stay in a first class hotel
- Treat yourself to that ‘sell out’ theatre or concert show
- Enjoy a meal at a well-known restaurant of your choice
- Pay off a few bills
- Purchase a new outfit (or two)
In fact the list is endless….
So how can you achieve an extra £1000 tax free cash a year….
What is Identity Theft?
This theft is when your personal and private information including your name, address, date of birth etc are stolen and to be used to purchase goods and other services in your name.
How often do you just throw out your bank statement, utility bills or even credit card statements with your day-to-day rubbish? You assume as your household rubbish is in a secure bin liner or rubbish collection bin that your identity is safe.
A fraudster does not need to break into your home to steal personal information
I recently did a blog post on saving money at the supermarket and now following this up with how supermarkets make you spend more than you realise without even thinking about it.
Here are just a few clever marketing ploys the supermarkets use to make you part with your hard-earned cash.
Thinking of taking in a Lodger?
Are you thinking of taking in a lodger? As you get older you may be thinking of how I can supplement my earnings/plan for retirement. One way is by taking in a lodger. This is currently very popular especially with the cost of living, higher bills etc. By renting out your spare room it is a good way of making extra income in effect for very little work.
There are numerous phishing scams that are currently doing the rounds, which you may have seen or read about.
What is Phishing?
Phishing is an email that is trying to obtain secure and sensitive information which includes passwords, usernames and credit card details.
One of the main ones is the CEO Fraud scam email which is one most employees should be aware of.
Below are just a few tips to help you with Supermarket shopping
I cannot stress enough as the saying goes …when you fail to plan you plan to fail.