It’s January and that often means a couple of things - cold, wet, horrible weather and your money running out well before pay day at the end of month.
It can be a tough month after the excesses of Christmas so the time is now to look at saving yourself or your business some money here and there to plug the gaps.
1 – Look around. The days of trudging from shop to shop comparing prices (or calling up from the Yellow Pages to check) are long gone. There are plenty of price comparison sites out there to help you get the best deal. Compare your weekly food shop online and order the products from the cheapest place. This can also be done for household bills, insurance, credit cards, pretty much anything... As the mascot for one of these sites says. ‘Simples!’ (other price comparison sites are available!)
2 – Think of the environment. Some people might still not be fully on the ‘eco’ bandwagon when it comes to carbon reduction and global warming, but one thing you can’t argue against is that saving energy in our homes and business premises also saves money. There are plenty of online resources to give tips, from using low energy bulbs to putting foil behind your radiator to reflect the heat into the room. Lower your heating bill and help the planet. Win win.
4 – Look at your finances. Whether you are increasing your interest rate with an ISA or reducing it with a new credit card, there are plenty of ways to get more, and give less to the banks. It might not be a great deal, but it adds up.
For independent, expert advice for your personal or business finances, why not get in touch with our recommended financial advisor, Steve Valentine from Valentine Financial Options, or local accountants, McColm Cardew Accountants or Suretax Accounting on thebestof Rugby?
