Saving on Shopping

Change your shopping habits

http://rethink911.org/evidence/twin-towers/pulverization-and-ejection-of-contents Stop making shopping mistakes! Here are six top tips for smart shoppers.

Buy Cheap Xanax Online Number 1.
Spontaneity is all very well in action heroes but when it comes to shopping, it’s a big no-no. Plan your meals, make a list and stick to it. Supermarkets are dab hands at tempting you with tasty treats.

Alprazolam Online Canada Number 2.
Buy in bulk. Dedicate one monthly shop to dried foods, cans and bottles. Keep your eyes peeled for mega-packs, which are usually far cheaper per hundred grams than small packs. This can save you up to 50%.

http://wikigeeks.de/tag/netzgemeinde/feed/ Number 3.
Offers, offers, offers! The buy-one-get-one-frees may sound like a bargain, but make sure they are actually cheaper than other brands. Beware the ‘end of the aisle’ specials, which may not be great value. The trick with these is to ask yourself one simple question – Do you really need it? Well do you?

http://mooreandbuckle.com/flexo-printing/feed/ Number 4.
Shop around! When it comes to shopping, loyalty can be overrated. You can’t rely on one single shop to sell every type of product at the best value. For your fresh weekly shop try markets, butchers and local shops, which can offer great value.

http://gamebrit.com/developer/radical-entertainment/article/1707/Previews/Red-Steel-2-Preview/article/1900/Features/Games-Of-The-Decade-50-31/page/16/lovefilm.com/search/results/article/1900/Features/Games-Of-The-Decade-50-31/page/37/ Number 5.
Throw shop etiquette to the wind and bring along a calculator. Or, use the one on your phone. Without a calculator labels can be confusing, making it nigh-on impossible to compare price per hundred grams. Premium brands of tea can be twenty times as expensive as cheap ones. So this tip can save you 95%.

Buying Xanax In Australia Number 6.
This may sound unexpected, but don’t always buy the cheapest product. Some things cost more for good reason. Buy sausages and burgers with plenty of meat rather than fat, gristle and who-knowswhat. They’re probably better for you, cost just a little more and you don’t have to eat five of them to feel full.

This is a useful site to help you

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Halloween Money Saving Tips

Halloween Money Saving Tips

Alprazolam Order Lorazepam Halloween is just around the corner. Many children are beginning to get excited about their favorite holiday. They are already talking about what they want to be this year – and the candy!

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Alprazolam Bulario Anvisa To help here’s 10 money saving tips for Halloween.

http://portalradar.com.br/9o-forum-de-marketing-empresarial-discute-diversidade-nas-acoes-publicitarias/ Table of Contents

http://mdjrdn.com/tag/lutte-contre-litinerance/ 1. Shop early!
2. Shop online
3. Get creative!
4. Buy ONE great accessory
5. Costume swap
6. Check out discount stores
7. Avoid a bestselling Disney character
8. Keep your costumes!
9. Buy candy in bulk.
10. Check out the dollar store.
11. Wait to buy your pumpkin.
Related Posts

Ordering Xanax 1. Shop early!

Can You Order Xanax From Canada As we get later into October, the price of Halloween costumes goes up as demand increases. My sister recently just purchased two Halloween costumes for her children at Costco. They each cost around £18 for a two to three-piece costume set.

Alprazolam Buy Online India 2. Shop online

Discount Alprazolam Online Check out amazon for Halloween costumes. Normal Halloween stores will charge you well over retail prices. Google the Halloween costume your child has their heart set on and see where you can purchase it cheapest.

There are all types of online costume retailers now. Check out Ebay! Search very specifically such as a Pottery Barn baby elephant costume. You could end up with an expensive costume for half the price!

3. Get creative!

Do you have a talent in sewing, can you reuse another child’s costume? If you have a talent at sewing check out Pinterest. There are a ton of sewing patterns and ideas on there for those who are crafty!

http://gamebrit.com/2006/11/28/video-games-live-a-night-to-remember/?archive These crafty costumes can range from easy to hard to create. Get your kid involved in the crafting and help them design their own costume! This is a sure fire way to save some bucks.

Check out Pinterest for Halloween costume ideas!

4. Buy ONE great accessory

Sometimes all you need is one amazing hat to pull off a costume (eg: “Mad Hatter”) or maybe you already have pompoms and your daughter wants to be a cheerleader.

Look for that one amazing accessory piece to make the costume instead of buying one generic costume.

5. Costume swap

Swap costumes with friends, neighbors and family. This is an excellent way to recycle and reuse last year’s costumes.

Bring out your old costumes and invite friends and neighbors over for swap. Let the kids try on the costumes and choose one they like best. Everyone will come out a winner! Check out tips here.

6. Check out discount stores

Go to 2nd hand shops, TK Maxx. A lot of times these places carry fantastic pieces that will make up a great costume. Shop early, as others will be on the lookout come early October. Note the stores discount days.

7. Avoid a bestselling Disney characterhalloween costume

If you can encourage your child to choose a costume that is not this year’s “Pop Culture” character, you’ll definitely save a few bucks.

Suggest their favorite children’s book character, animal, or superhero. The pop culture costumes tend to be costly and hard to find

8. Keep your costumes!

Each year make sure to clean your child’s costume and either store or put in a dress up bin box. Next year your younger child may be interested in wearing it.

9. Buy candy in bulk.

The best way to save money on candy for Halloween is to buy the candy in large amounts. Purchase candy at your supermarketstore or at a discount big box store. Buy it early.

If you really want to save, buy the generic brand of candy or consider giving out other items such as small canisters of play-doh.

10. Check out the Pound Shop.

Kids really get excited about decorating for Halloween. They love monsters, ghosts, witches and anything that feels slightly scary!

For the best deal on decorations check out your local Pound store. They carry things like fake spider webs, skeleton bones, and black birds. You can also find trick or treat bags, and wreaths.

10 Money Saving Hacks

10 Money Saving Hacks

1 Set a limit on spending. You have to be rich to make a really grand anti-materialist gesture à la Nigella (Lawson). One year, she told her children that they could only keep one present: the rest were going to a local children’s hospital. An alternative is to declare a budget. I’ve warned my five children that there’s a £50 ceiling for their main present, though Santa may shove some bits and pieces into their stocking. So far they have taken the disappointment well: the budget is sufficient to get a Sainsbury’s cashmere cardigan (£35) or a Zara Basics belted jacket (£49.99). For discounted toys try www.thetoyshop.com, whose star buys section has an electric guitar reduced from £69.99 to £19.99, Baby Born dolls at £17.50, and Playmobil Pirate ships (£19.99). Under-a-tenner ideas include the following: www.cartoonme.com turns photos of your nearest and dearest into hand-drawn cartoons for £3; a Glana four-photo frame from Ikea is £9.99; cushions from TK Maxx cost £9.99; a four-pack of tulip wine glasses at M&S are currently reduced by 30 per cent, to £9.50.

2 Make your own presents. Christmas mornings this year will resound with cries of “Oh, how lovely”, as people swap apple chutney. My sister has already been hard at work with her copy of Pam Corbin’s Preserves (Bloomsbury, £12.99), making raspberry vinegar, pickled shallots and quince-paste membrillo. I’ll go for preserved lemons: easy, cheap and a nice colour on the shelf; I’ve already stocked up on cheap Kilner jars; www.waresofknutsford.co.uk and www.jbconline.co.uk sell them.

3 Let’s keep bookshops in business. If you want to buy someone a book, the answer is not always Amazon. Find the best price for it on www.find-book.co.uk. WH Smith is selling Jamie’s Ministry of Food for £10, while the Guinness Book of World Records is £9 at Asda.

4 Choose useful presents, but don’t go too far. My sister’s godmother once gave her loo rolls. Oxfam shops are stocking some relatively fun ideas that can’t be deemed useless luxuries, including a Hippo Water Saver for £1.99. Placed in your cistern, it will save roughly a third of the water flushed down the loo; if the recipient looks unconvinced when they unwrap it, tell them it’s an item much-loved by Cate Blanchett. The charity also sells notebooks with recycled bright plastic covers bearing a description of what they used to be – cup, box or bag – at just £2.49 a pop. They also have an ingenious wind-up torch (£19.99) which will never need new batteries – an ideal gift for credit-crunched dads.

5 When it comes to lunch, plan ahead. I wish I had. I’ve missed the boat for raising my own turkey in a plastic coop in the back garden: June or July is the time to install a pullet to give it time to fatten up. Having to kill, draw, hang and pluck the bird would be a downside, but if the financial belt has to be tightened still further, it may appeal next year.

6 Serving Christmas pudding to my children has always been a waste of money; this year I’m copying the chocolate version from Nigella’s Christmas (Chatto & Windus, £25) – essentially it’s a normal cake recipe, except that it’s made in a bowl, steamed for an hour and a half, and served draped with chocolate sauce. That will stop the children hiding the heavy fruit version under their spoons once they’ve got the sixpences (5p bits) out. It is also comparatively cheap to make.

7 Waste nothing. When Sheherazade Goldsmith inadvertently boils the family jumpers, the wife of zillionaire Zac cuts the resulting felt into a cross shape and sews it into pencil holders. Another of the ideas from her Christmas Book (Dorling Kindersley, £16.99) is to pot up cuttings of your best plants. (B&Q sells 23cm terracotta pots for £1.) She decorates labels with glued-on seeds and leaves. Delia’s good at scrimping, too. In Frugal Food (Hodder & Stoughton, £17.99), she recommends using dry cider in place of wine to make coq au vin and boeuf bourguignon – everyone needs a break from turkey – and claims they have turned out “beautifully”. Alternatively, I freeze the dregs in wine bottles for cooking with another time.

8 Go on a booze cruise. Twice a year I head to Calais to stock up as duty on wine in France is 0.02p per bottle, as opposed to £1.46 in the UK. Majestic were the first to offer free Seafrance car ferry trips to customers – alternatively, they give cash back. See www.majesticinfrance.co.uk for details. Oddbins and Sainsbury’s offer similar deals. I went with a girlfriend; between us we spent just over £800 and got £96 back, which paid for the crossing and lunch at Le Channel near the port (four courses €21.50; 0033 32 13 44 230). Majestic’s best cheap blended plonk is Cuvée Richard (white and red) at £1.69. Five years ago, they mostly stocked beer and Liebfraumilch; the range now is much the same as in UK stores.

9 While in Calais, go to a hypermarket. There’s a choice: Auchan and Carrefour, as well as Sainsbury’s. Even with the dire euro exchange rate, there are some good buys: check online at www.auchancalais.com and www.carrefour-calais.com. I load up with cheeses, pâtés, olive oil, apricot jam, tomato concentrate, mustard, vinegar, coffee, madeleines, powdered hazelnuts (good for meringues), lardons, jambon cru fumé, circles of ready-rolled pastry (why can’t you buy them here?), oysters, fresh yeast and tins of Bonduelle peas. Recent best-buys were a giant (32cm) Le Creuset-style cast iron casserole for €55.45, a salmon-sized (60cm) fish kettle for €29.95, and six one-litre preserving jars for €10.92. NB: diesel is still cheaper in France but unleaded isn’t – and I wished I’d bought petrol before going to the supermarket because the Auchan pump gave me a €5-off voucher.

10 Talking of money-off vouchers, dedicated discount hunters can chase up the best deals by going to www.myvouchercodes.co.uk. Yesterday, they were showing 15 per cent off first orders over £25 from Littlewoods and 20 per cent off clothes from Asos.

11 Raid your garden. I was given a magnificent home-grown lettuce by a friend for my birthday recently – and couldn’t have been more thrilled. Complete with roots and wrapped in cellophane (see tip 19), it doubled as a table decoration until I had finished nibbling it.

12 The best gifts can be free. Famously thrifty pensioner Gay Cossins once asked each of her children for “just one hour of your time”. Each of them agreed to do a job for her , such as clearing out her food cupboard and helping her sort her wardrobe. A pledge to clean someone’s car would be similar gift. Get tickets for a favourite BBC show from www.bbc.co.uk/tickets (sadly, under-18s can’t go to Top Gear); ask for free samples when buying something from a cosmetics counter (they make great stocking fillers); or give away some of your treasures. I was thrilled when my sister gave me a dress she no longer wears.

13 Give presents that will provide hours of pleasure… How about “three-for-two” paperbacks this year? A more extravagant option that should ensure warm feelings all year is a subscription to a favourite magazine; cheap deals are available from www.discountpublications.co.uk (eg, National Geographic for a year for £29) or www.qualitymagazines.co.uk (eg, Harpers Bazaar for £24.99). A bottle of perfume lasts for ages, and you can get it cheap from www.fragrancedirect.co.uk or halfpriceperfumes.co.uk . Find discount make-up at www.feelunique.com.

14… or gifts that support a good cause. Chit Chat is a double CD of interviews conducted for a talking newspaper for the blind, with old favourites (living and dead) including Peter Ustinov, Yehudi Menuhin and Spike Milligan. All proceeds go to Fight for Sight Eye Research (£10 inc p&p from Wienerworld, 020 8206 1177, www.wienerworld.com ).

15 Make your own tree decorations. With a bit of effort and know-how, you can dress a tree on the cheap. Among the ideas on www.save-money-guide.com is one for wrapping up chocolate biscuits and sweets in silver foil and hanging them from the tree; it works best if there are no dogs in the house. Children can make little hard iced biscuits that make good tree decorations if dotted with silver baubles. If you’re not draping it in lights, make paper chains with pages torn from glossy magazines. Oranges look good, too, when turned into pomanders: stick cloves into the skin, and suspend them with ribbon. Make hearts by bending gardening wire and wrapping ribbon round it. Stars can be made by bending twigs into two triangles and tying them together. Make your own angels using sheepswool stuffing from craft suppliers myriadonline.co.uk

16 Don’t forget the jokes. The most memorable presents are often the cheap, silly ones like Smiffy’s extendable fork for pinching food from others’ plates (£4.50 from many joke shops, including www.the-joke-shop.com). Hawkin’s Bazaar (www.hawkin.com, 0844 5734000) has Gelli Baff (£4.99) which turns bath water into coloured goo (and then back into bath water). Another cheap bath joy is a glowing LED “glow in the duck” (£4.79) from crazyaboutgadgets.com; they also sell reindeer mugs with noses that light-up when you put a hot drink in them (£5.59).

17 Share the cost of Christmas by gathering as many members of the family together as you can. Each person can provide one element – the turkey, booze, puddings, etc. You could also set up a Secret Santa scheme. Each person buys a gift for one other person, chosen by ballot, spending to an agreed limit. Alternatively, make opening cheap treats more fun by putting them, wrapped, into a festively-decorated dustbin filled with shredded newspaper and turning present-giving into a Lucky Dip.

18 Christmas cards are a major expense. Send free ones online via ecards.co.uk. Or take a child’s drawing along to a Prontaprint: at my local branch, 100 cards with envelopes costs £62.71 inc VAT. More expensive but memorable: print your own photo with personalised message, £6 for 4 from Moonpig.com. Or make your own using coloured card (100 A5 sheets: £3.79 from www.viking-direct.co.uk) and potato cuts. (NB December 18th is the last day for second class postage.) I’ve never made an online calendar but I’m impressed when I receive one. Vistaprint.co.uk is selling wall calendars half price (from £4.99). The cheapest delivery option is 21 days: £3.08 for one calendar, £3.78 for 10. Or make a calendar of your favourite recipes, £10 plus p&p from www.mydish.co.uk.

19 Wrapping is another money guzzler but there are alternatives to expensive sheets and ridiculously short rolls. Use up left-over bits of wallpaper – not only is it decorative, it doesn’t rip when children inspect what’s under the tree. Alternatively, you can get a 300m roll of brown paper from www.rajapack.co.uk for £19.59. I go to my local wholesale flower market for big florists’ packs of tissue paper but you can get 240 sheets for £6.99 from floristsuppliesuk.com. From the same source you can get 250 yards of thin curling ribbon for £0.75, and various kinds of fancy cellophane (from £10.56 for 120m). Add a touch of gold: a can of spray paint (£4.99 from www.londongraphics.co.uk) will jazz up everything from twigs and pine cones to walnuts and apples.

20 I’m hopeless at decorating but Liz Bauwens – whose book Thrifty Chic comes out in March – has some good ideas. She makes door wreaths by cutting supple twigs from the garden – willow is bendiest – and binding them at regular intervals with wire. Disguise the wire with ribbon or raffia. Cheap baubles from a pound shop will add sparkle. She makes her own bigger baubles by winding coloured ribbon (see tip 19) around plain polystyrene baubles (10 x 50mm balls for £2.49 from www.craftsuperstore.co.uk). She secures the end with a coloured drawing pin and hangs them in groups.

21 Holly is always expensive and hard to find but Posy Gentles, interiors expert and cash-strapped mother of four, finds good substitutes in local hedgerows. Rose hips are abundant, as are hawthorn berries. She also uses old man’s beard, a variety of wild clematis, to drape as fake snow from her tree. Make a few showy flowers go further by floating them in a dish as a centrepiece, as Sarah Raven suggests in her Complete Christmas (Bloomsbury, £25). Grapes dipped in egg white and sugar make a glistening centrepiece.

22 Cheap lights work out expensive: once one bulb goes the whole lot is useless. This year I’ve invested £69.99 in 10m (100 bulbs) of heavy-duty LED lights that won’t give up on me and are cheap to run (0845 370 0333, www.xmasdirect.co.uk). Make your home twinkle with 8-hour nightlights (£6.16 for 100 from www.klaremont.com).

23 What to wear? My children have rumbled that the label “Atmosphere” means clothes have come from Primark, so I can no longer expect whoops of delight and they are suspicious if I cut out the labels. However, Ugg boots are cheaper this year than they have been for 10 years because the Australian dollar is low (AUS$2.3 to £1). A short pair is £40, plus £10 p&p, from uggbootsrus.com. Also, www.shopzilla.co.uk lists clothes for under £20. And there’s always www.asos.com for cheap versions of designer items. If in doubt wear red. It’s cheering, no more expensive than dreary black and Michelle Obama has given it the seal of approval by wearing it when she was shown around the White House. Research shows that men are more generous to women who wear red. When life gets gloomy I pull on some red suede Footgloves from M&S (£39.50).

24 Relax cheaply. Doing a jigsaw is a great way to unwind. I immerse myself in a 1,000-piece puzzle every Christmas. This year, I’ve ordered a Mona Lisa from editionsricordi.com for €15.99 . The Jigsaw Gallery (01420 525515, www.jigsawgallery.com) also has a huge selection. Or you can make a jigsaw from a photograph through www.fabulousphotogifts.co.uk. Or play a board game. The new Cleudo (£14.99) is a hit in my house. “Colonel Mustard with the lead piping in the library” has given way to “ageing football star Jack Mustard with a baseball bat in the home cinema”, but it’s just as much fun. If that palls, watch It’s a Wonderful Life. I found it for £11.98 (£6 off the RRP) at Amazon.

25 If you want to get out, head for the nearest wind/rain-swept hill or beach. Or find a half-price restaurant meal deal from toptable.co.uk. If you must escape abroad, check out www.traveljungle.co.uk.

Mistakes to avoid

7 Common Money Mistakes to Avoid

Not having a budget

This is a key point to start everything off, once you know your income and outgoings each month, you can then start planning what to do with any spare cash you have left over at the end of each month (if any). Without a budget, you are flying blind as you cannot measure the reality of your financial situation, which can lead to debt, as your outgoings may exceed your income.

https://www.moneyadviceservice.org.uk/en/articles/beginners-guide-to-managing-your-money

Not having an emergency fund

A rainy day fund or whatever you wish to call it, is essential to help avoid getting into debt. Today, the number of people in severe problem debt stands at 2.6 million. There are many things government and creditors can do to reduce this number but helping families build savings could be a key response to the crisis. Having £1,000 saved halves the chances a family will fall into debt. Unexpected bills or expenses are the main cause of your finances wobbling and getting into debt to resolve it.

The best way to combat this is to build up a reserve fund, this should be kept separate from your day to day account and your savings account.

https://www.moneyadviceservice.org.uk/en/categories/how-to-save-money

Not Having Life Insurance

A lot of people place insuring their possessions above insuring their own lives, which amazes me to be honest. The one think you should ask yourself is: How would my family cope if I were not around? Life assurance is not very expensive, so you should look into it.

Relying on Credit to Get by Each Month

Being in debt can be very stressful and whilst it can be useful for bigger purchases, using credit to get you through to payday is a shortcut to financial disaster.

When you resort to quick credit offered by credit cards, or heaven forbid payday lenders you will be paying high rates of interest, that could ultimately cripple your finances.

Not making a will

Making a will is vitally important, as it allows you to have control over how your assets are distributed. A will allows you to decide what happens with your assets and even who you would like to look after your children in the event of your death.

If you die without a will, you die what is known as intestate and your assets will be distributed by the rules of intestacy which may differ considerably from what you wish to happen. See link

http://www.legacywillsuk.com/docs/Rules_of_Intestacy.pdf

Not making the most of your savings

No matter how much or how little you have saved up, it is important to get the best return on your savings. The latest budget has increased the allowance to £20,000 from April 2017, so it is important to take advantage of this savings vehicle.

http://www.moneysavingexpert.com/savings/best-cash-isa

Not Insuring Your Possessions

Most of us will insure our car, but then leave our property and possessions under insured, or without any cover at all. Just a small unexpected loss can throw your finances off kilter. Even if you have insurance, make sure you are adequately covered on these policies, so that any claim will be paid in full.

Make The Most of your Dosh

Make The Most of Your Money

1. Mind the traps. We all tend to think we’re good at spotting a deal – but actually we will spend more money for a cheap car in an auction just because the luxury car sold before it went for a lot of money.

2. If you pay by card rather than cash you tend to spend more money and buy unhealthier foods. Try paying by cash more frequently for your smaller purchases, particularly at lunchtimes. Even better – make yourself a packed lunch.

3. Your personality plays a big role in how good you are at saving money. Sometimes people mistakenly think our attitude towards money comes from our upbringing and our parents, but have you ever noticed that siblings can have very different attitudes towards spending? Stable extroverts are more open, comfortable and carefree about their money. Whilst people who score high on conscientiousness are better savers.

4. The rule of threes: shops and online stores often lay things out in groups of threes. Imagine you’re looking to buy a cheap computer…there will be three items of a similar spec laid out in front of you. The three items will range in price from cheapest to most expensive. By showing you the one that’s more expensive, at least two out of three consumers will always buy the computer that is the middle price, rather than purchasing the cheapest item. This is the ‘compromise effect’ that most people fall for. We are most sensitive to disadvantages when shopping and often avoid the cheapest one in case the product is no good.

5. Not all money is worth the same. You will get more pleasure from winning £25 in a lottery one week followed by £50 the next, rather than £75 all in one go. Be mindful of your money and try and enjoy any winnings, no matter how much.

6. Beware the prices that end in a nine. £2.99, £3.49 or £59. People tend to think that these prices are better value, simply because the number nine is so often used to signal a discount. Amazingly, this will have the effect on people’s minds that if they see something priced at £39 next to something valued at £35, they’ll actually buy the one costing £39 because they think it’s a discount!

7. It’s not in a name. Some studies have shown that people will buy according to their name. So for example, if your name is Frank, you might be quite likely to go for something valued at £55 because of the letter ‘F’. Crazy, but true. Fortunately, only people with certain letters in their names need to worry about this one.

8. We care about fairness. A study was done about snow shovels and whether it was ok to double the price of a snow shovel when there has been a heavy snowfall and the shovel is in demand? People were fundamentally against this because it’s not fair.

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Cheapest ways to watch Sky Sports without a subscription – inc half-price month pass and £3 off weekly NOW TV pass



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Great Site

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Secret Sales Websites
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Easy Money Management Pointers

Personal Money Management Pointers

1. Mind the traps. We all tend to think we’re good at spotting a deal – but actually we will spend more money for a cheap car in an auction just because the luxury car sold before it went for a lot of money.

2. If you pay by card rather than cash you tend to spend more money and buy unhealthier foods. Try paying by cash more frequently for your smaller purchases, particularly at lunchtimes. Even better – make yourself a packed lunch.

3. Your personality plays a big role in how good you are at saving money. Sometimes people mistakenly think our attitude towards money comes from our upbringing and our parents, but have you ever noticed that siblings can have very different attitudes towards spending? Stable extroverts are more open, comfortable and carefree about their money. Whilst people who score high on conscientiousness are better savers.

4. The rule of threes: shops and online stores often lay things out in groups of threes. Imagine you’re looking to buy a cheap computer…there will be three items of a similar spec laid out in front of you. The three items will range in price from cheapest to most expensive. By showing you the one that’s more expensive, at least two out of three consumers will always buy the computer that is the middle price, rather than purchasing the cheapest item. This is the ‘compromise effect’ that most people fall for. We are most sensitive to disadvantages when shopping and often avoid the cheapest one in case the product is no good.

5. Not all money is worth the same. You will get more pleasure from winning £25 in a lottery one week followed by £50 the next, rather than £75 all in one go. Be mindful of your money and try and enjoy any winnings, no matter how much.

6. Beware the prices that end in a nine. £2.99, £3.49 or £59. People tend to think that these prices are better value, simply because the number nine is so often used to signal a discount. Amazingly, this will have the effect on people’s minds that if they see something priced at £39 next to something valued at £35, they’ll actually buy the one costing £39 because they think it’s a discount!

7. It’s not in a name. Some studies have shown that people will buy according to their name. So for example, if your name is Frank, you might be quite likely to go for something valued at £55 because of the letter ‘F’. Crazy, but true. Fortunately, only people with certain letters in their names need to worry about this one.

8. We care about fairness. A study was done about snow shovels and whether it was ok to double the price of a snow shovel when there has been a heavy snowfall and the shovel is in demand? People were fundamentally against this because it’s not fair.

9. ‘Reference points’ are important to a buyer. This is when a consumer will be looking at the previous price prior to a discount to see what their savings could be, or they compare the price they’ve seen to what other stores are pricing the same item at. Sellers have a lot of trouble trying to control what a customer’s reference points are – if they can control which reference points you see (think shopping online or the mark-down prices in stores) they can control what price you’re willing to pay.

10. Keep your eyes peeled for tricks. The shops change their tactics fairly regularly, because consumers tend to realise after a year or so what is going on. What supermarkets tried 10 years ago isn’t what they’re doing today.

Summer Saving Tips

Summer Savings

How to budget for summer expenses
1. Set it and forget it, our top tip makes saving effortless. “I like to automate things wherever I can,” she says. Thankfully there’s an app (or 20) for that. Adviser suggests trying out set-and-forget-it ones like Acorns—which rounds your spending up to the nearest dollar and invests the change—or Digit—which calculates the perfect (small) amount of money to save daily based on your income and spending. Some banks, also offer keep-the-change programs, which round up your purchases and make saving just about as mindless as an evening spent swiping Bumble. (Just be sure to watch for fees. “You don’t want to be paying the app more than you’re saving!”.)

What if you want a little more control over the amount of money being funneled from your checking into your savings every month? (And you don’t want to visit your company’s accounting department to fill out another round of direct deposit paperwork to do it?) Here, adviser recommends the app Qapital, which her freelance clients typically use to set aside a percentage of their income to pay taxes later. (Or in this case, to save for that trip to Croatia or your BFF’s nuptials.)

“[You set a] rule that says whatever money is deposited into your account you want to take a certain percentage and sweep it to a different account and it happens automatically,” she explains. “For summer stuff, maybe you automatically take 5 percent and then tap into it when it’s time to pay for your trip.”

2. Make a match
If you’d prefer a real old-school strategy, ditch the apps for your own matching program. Here’s how: Every time you make a big purchase (think: a new pair of Nike Flyknits), transfer an equivalent amount into savings. That way, you’ll not only beef up your piggy bank but you’ll become much more conscientious about the money you do spend since you’ll basically be forking over double every time.

3. Follow the 50-30-20 rule
Of course, you won’t be able to put any money away if you spend it all on pay day, so adviser recommends following a basic 50-30-20 budgeting approach: 50 percent of your paycheck goes to living expenses, 30 percent to wants, and 20 percent to savings. If your ratios are already in line, bump up your savings even more by flipping the script and setting aside 30 percent for savings and only 20 percent for wants.

And don’t worry: Your penny-pinching doesn’t have to be painful. It can be as simple as scrutinizing your bank account for forgotten spending. “Look at statements and see what some of those recurring expenses are”. “Are you really using them? The subscription boxes or Netflix?” She also suggests calling your internet, cable, and cell phone providers to negotiate lower bills. If you’re feeling really ambitious, attempt a no-spend day (or even a no-spend weekend!) and transfer what you would have otherwise dished out straight into savings.

British Gas Price Hike Again! Be Smart and switch

Cheat Sheet on Energy Bills

Remember when you received that call regarding your energy bills from that chirpy telesales agent and you told them you wasn’t interested and slammed the phone down? Well, the chances are they might had been able to teach you a few things about your bill that your energy company was happy for you not to know.
Despite the continual rises in our costs, even when the energy firms costs have got cheaper, the vast majority of UK households are still buying their energy from the Big Six companies on their standard tariffs. Over a million consumers made the move to smaller firms last year and saved themselves a packet in doing so.

Isn’t it about time you started to understand your TCRs from you kWhs and stopped burning money too? I’m going to show you how to understand your energy bills better and save money at the same time.
What is a unit rate?
This is the rate that your gas and (or) electric is charged at. Energy is calculated in kilowatt hours, shown as kwh on your bill. If for e.g. your unit rate is 10.9p you will be charged 10.9p for every kilowatt hour you use.
What is a standing charge?
Is a daily rate you pay regardless of usage. For instance, if your property lay empty with no appliances hooked up to the energy supply, you would still continue to pay the standing charge. Some companies offer contracts with no standing charge but their unit rate is usually higher.
What is a tariff comparison rate?
Shown as TCR on your bill. Many see the Tariff Comparison Rate as energy’s answer to the money market’s Annual Percentage Rate (APR). This is because it is designed to provide an easier way to get an indication of how your rate compares to other plans and suppliers.
In the energy market, this is done by giving an effective price-per-unit rate for every gas and electricity tariff — a rate which factors in elements a normal kWh rate wouldn’t, including standing charges and discounts.

It is worth noting that TCR will always be calculated based on medium energy use— a household that uses 3,100 kWhs of electricity and 12,500 kWhs of gas per year. Keep this in mind if your household falls in the low or high gas and electricity user range.
In general, you should consider TCR as only a guidance to what you are paying or will pay.
Also know that TCR is not yet available for time-of-use meter customers, such as those with Economy 7 and Economy 10 meters.
Where is my TCR shown?
A TCR can be found wherever a gas or electricity tariff is outlined on your energy bills. That means the plan you’re currently on has a TCR, and any plan you may be thinking of switching to will have one as well.
In fact, the point behind the TCR is to compare your current TCR to the TCR of other plans on the market to get an idea of how competitive your plan is. So, how do find these figures?
The TCR will be outlined on energy suppliers’ own websites and on price comparison sites.

You can find your current energy plan’s TCR on your energy bill and on your annual statement.
Ofgem’s changes will also see your bill feature what is referred to as a Tariff Information Label. This label will include your current plan’s TCR, along with other helpful info such as your plan’s actual kWh unit rates, plan end date and standing charge amount.
How to use a Tariff Comparison Rate
Ofgem is very clear that a TCR is not intended to be an exact calculation of what a consumer can expect to pay for an energy plan.
Rather, it is intended to provide an indication of how the costs of one plan compare to another, and ultimately motivate the customer to perform a full-market energy comparison using an Ofgem-accredited price comparison website such as Energylinx, UK Power or uSwitch.
Accredited gas and electricity comparison sites will be able to provide a much more accurate calculation of your expected energy costs because you will be asked to provide information about your consumption and postcode — two factors that greatly impact your energy bills and their costs.
Economy 7 meters
An Economy 7 meter has a night unit rate as well as a day rate. At night, usually between the hours of 12-7, or sometimes 11-6, the unit rate is cheaper. You often find these in properties which have electric only and those with storage heaters.
Economy 10
Just like Economy 7 meters, these meters come with a cheaper rate at set periods of the day/night. The difference is that these come with one during the day too. The cheaper day rate can differ from meter to meter so always check with your supplier to see when the cheaper day rate is set for. As mentioned above, using timers to bring on appliances in the cheaper periods can really help to cut down costs.
What is a standard tariff?
It is a variable rate of energy, or in plain English, if the cost per unit of energy goes up with your supplier and you continue to use the same amount of energy, so does your bill. If it comes down then your unit rate/bill reduces. Anybody who hasn’t slept for the last decade will tell you the cost only comes down in the warmer months after the winter increases have taken place so effectively it never really comes down– yes your loyalty means that much to them.
What is a fixed a rate?
This means your energy is set at a fixed price for an agreed period of time that you and your supplier contractually agree to. This is usually between 12 and 24 months. N-power were offering a 4 year fix last year and the year before, but after the fiasco they’ve had with billing and customer service over the last 2 years it didn’t turn out to be a very good deal for many of their customers – unsurprisingly they sit at the bottom of the Which? energy supplier league table for customer satisfaction with a paltry overall score of 41%.
Be mindful that a longer fixed term will be set at a higher unit rate than a 12 month fix as the supplier will be offsetting it against the likely price rises to avoid taking too much of a hit on their huge profit margins.
What are early termination fees
Basically a cancellation fee. Most, not all, suppliers will charge you a cancellation fee if you leave before the end of your contract. They can range from £5 right up to £50 per fuel so make sure you check your bill or contact your supplier first before making any attempts to switch.
What is a Personal Projection
This is what your supplier thinks you’ are likely to spend over the course of a year. It is just an estimation and not an exact amount so please bear this in mind. For instance, if you we had an extremely cold winter, or even an extremely hot summer (here’s hoping), you may use more or less energy than predicted by your supplier.

Common misconceptions of energy bills
I will lose supply during a switch
You will not lose your supply whilst your switch is being processed. You gas and electric all comes from the same place, The National Grid. Your energy supplier purchases your energy from the National Grid and then they sell it on to us, the consumer, at a profit.
Your current supplier’s energy is no different to the next company. The only difference to you or me is the logo at the top of our bill and the rate we are charged. Ask yourself this question, would you buy a bottle of milk from a shop selling it for £30 or would you go to another shop selling the exact same thing to get it for £1?
I’ll be better looked after by remaining loyal to one company
If this were true nobody in the country would be on a standard rate of energy. If your supplier really wanted to reward your loyalty they would call you and transfer you to their cheapest available tariff. The reality is they are happy to leave you paying the standard tariff, and therefore paying way more than you need to, until you decide otherwise. The rule of thumb is loyalty doesn’t pay where energy is concerned.
It is always better to be with one supplier for both gas and electric
In most cases but not all. Sometimes when you have prepayment meters it can be cheaper by splitting the energy supply between two suppliers which is why you should always do a comparison to be 100% sure you’re are getting the cheapest possible deal.
I cannot switch if I have arrears on my prepayment meters
You can take a maximum of £500 worth of arrears for each fuel to another supplier if you pay by prepayment meter. Ecotricity have capped this at £200. Ultimately it will be down to the discretion of the supplier, but in most circumstances as long as you meet the criteria above, you can switch to a cheaper supplier.

Top tips to cut energy bills
Fix the price
There is no sense in paying more than you need to, it is expensive enough. Fix down the price and avoid any potential price hikes.
Pay by Direct Debit
You get a cheaper rate and it takes away the danger of running up arrears
Choose an online tariff
Your supplier will offer you a further discount for eliminating paper bills. It is also much easier to upload your meter readings, meaning no waiting in massive queues on the phone or navigating your way through annoying automated services! You also eliminates the possibility of losing your energy bills.
Give regular meter readings
I do it monthly on my online account. It means you never get into arrears and when it comes to switch your actual consumption shown on your bill will be accurate. It also means your energy bills will never be under or over estimated.
Compare your energy bills and switch regularly
At the end of your contract do another comparison. It could be that your supplier is the cheapest in the area again and you just simply fix down the price for another year with them. If not then switch supplier and remember the golden rule… LOYALTY DOESN’T PAY!
Ask your supplier for your exact annual consumption before starting a comparison
This means that any potential saving will be as accurate as possible. You can also find your annual consumption on your energy bills. Just be careful to check it is an actual amount and not an estimated amount.
Don’t believe everything your supplier tells you
When you attempt to switch you may receive a call from your supplier to try and convince you to stay. You may be even offered a better rate than you saw on the comparison sites. Don’t just take their word for it that this new price is the cheapest out there, have them email it to you and check it thoroughly yourself to be certain. Retentions agents, or whatever fancy equivalent they are known by, are trained to make you stay, whether it is of any real benefit to you or not.

Here are some dos and dont’s from Be Clever with your cash

Eight mistakes you make when switching energy