Cash Advance

All the Ways you Should be Saving Cash

As the cost of living increases and we find ourselves paying more for things we’ve always bought, finding easy tips to save a few pounds are always welcome. Today you can find bargains by following a these easy tips for keeping money in your pocket and out of the till!

Home Purchase

Always have a thorough survey completed on the house and use the findings to negotiate a lower price for a smart sale.

Mortgage Refinancing

If you can refinance your mortgage, look for a rate at least one percent lower than your current mortgage and commit to several years with this new rate.

Major Appliances

As always, research the appliance beforehand and save yourself up to£50 or more! Compare the quality of various brands and contact at least four retailers for a quote, always asking for the lowest price.

Home Improvement

Research qualified and experienced contractors who are fully licensed and will submit written, fixed-price quotes for the job. Always inspect contracts and never sign asking for full payment before the project completion.

Telephone

Check phone bills a few times a year, reviewing calls and costs from at least three months before. Take note of the rate of local, long distance and international calls, and compare them to new packages and offers from other providers.

Credit Cards

Switch to a card with a low annual percentage rate (APR) and get rid of excess cards, keeping the two you use most, or pay with cheque, cash or debit card at the till. Reduce fees by avoiding late payments , staying within your credit limit and save hundreds of pounds a year by paying a credit card balance by its monthly due date.

Food

Begin with a shopping list and try local bargain grocery stores. Skipping expensive convenience stores could save hundreds of pounds a year! Always compare price-per-pound and lower unit prices on shelf labels , stocking up when the price is right.

New Cars

Save hundreds on new car purchases by selecting one with low maintenance, petrol and repair costs, and researching low financing and insurance rates for that car. Checking quotes with at least four dealers, letting them know you’re contacting other sellers, will give you a clear idea of the actual cost.

Car Rental

Shopping around is a great tool to compare the prices each car rental agency offers, and can save you quite a lot on basic rates. Always ask the agent about any additional charges before booking, and be sure to inquire about special offers the company might be running.

Petrol

Compare the prices of petrol at many stations. Keeping a well tuned engine and properly inflated tyres at the proper pressure could snag you an extra £20 at the end of the year.

Airline Fares

Flexibility is key to saving a bundle on air travel; buying in advance, using low fare carriers and taking trips with Saturday evening stay-overs can bring the cost of your flight down by as much as two- thirds!

All the Ways you Should be Saving Cash / Greg Smith

RateEmpire.com, http://www.RateEmpire.com, an internet consumer banking marketplace is a destination site of personal finance, investing, taxes and mortgage rates. RateEmpire.com provides mortgage guides and financial rates and information. RateEmpire.com also operates a financial portal #1 American Financial, found at http://www.1AmericanFinancial.com and debt consolidation portal for business, real estate or debt management http://www.1DebtMoney.com