A Foolproof Guide To Saving Money On Your Broadband

For many of us, our broadband bill is a real balance drainer. It costs a lot every month, but it’s an expense we have to live with. In this piece, you can feast your eyes on three easy tips that will help you save loads of money on your broadband in the future. Give them a read if you want to start saving:

(Credit: http://bit.ly/2kNJp1L)

Pay For What You Need

These days, loads of people get caught up needing the fastest internet ever, complete with unlimited download limits. Normally, this means having to pay for the top package, which costs a lot of money. But, you can save loads of cash by looking at things from the perspective of your home. How much broadband does your home actually use? If you live alone or with a partner, then you won’t use as much data as a family of four. As such, the need for fast broadband won’t be as severe. You can get away with a mid-range package, and everything will be fine. If you don’t use the internet for video streaming or other things that require lots of data to be downloaded, then you really don’t need the best packages around. It makes sense to assess your usage, and pay for what you need. This way, you don’t waste money, and you get cheaper broadband. But, even if you do need to pay for the most expensive package, at least you know you’re getting your money’s worth. The last thing you should do is spend big on a top package and not get much usage out of it.

Check Out Any Bundles

When it comes to saving money on your broadband, it often makes sense to get a bundle deal. Most bundle deals, as seen here, will group together your internet, TV, and phone packages. By doing this, you combine three separate bills all into one manageable payment. But, bundles are always much cheaper than buying everything separately. So, if you pay for these three things on their own, you can make huge savings by bundling them together. Most broadband providers will offer bundles, you just have to check them out and compare which ones are the best for you.

(Image: http://bit.ly/2kWNi6T)

Threaten To Leave Your Existing Provider

Possibly the easiest trick you can do to save a fortune on your broadband is to threaten your existing provider and tell them you’re going to leave at the end of your contract. Ring them up and say you want to leave when your contract is over, and they will do everything to try and keep you. They’ll try giving you freebies, offering you additional features, they’ll even offer you a lower price on the same deal you’ve currently got. Businesses don’t like losing loyal customers, and they will try their best to get you to stay, even if it means offering you a deal for less money. Try this out, and you could make big savings.

 

Use all of these tips if you want to save lots of money on your broadband bill every month. Now, you can reduce a big expense, and make your personal finances feel more secure.

Save Now, Spend Later: How To Look After Your Cash

Are you a big spender?

If you are, it’s hard to stop buying. Buying gives us rewarding feelings, and you can’t stop it. You can’t resist the urge to use your money right there and then:

“If you’re a spender, you can’t delay the gratification. With cash in front of you, just like the marshmallow, you can’t resist the urge to have it right now even if you’d have more later. That’s why you don’t have much savings in the bank, but it doesn’t bother you. You’ve been happy making purchases and enjoying them in the moment. It’s worked out well enough for long enough, so you just stick with the habit. But if you’ve realized that you’re trending toward extreme spending, then you’re probably looking to kick or curb your habit.”

Buying on impulse is dangerous, and you won’t have much of a financial future if you keep wasting money. Spending and enjoying life is good, but if you can find ways to cut down, do so. Set some money aside and save. There are plenty of great ways to save money and the best time to start saving is right now!

If you need some advice, get rid of the credit cards if you are overspending, high-interest rates are a trap you’ll never get out of. Credit cards are useful tools, but if you do have issues with spending, you’ll find it easier to spend cash that doesn’t technically exist.

(source)

When purchasing you should ask yourself some serious questions before you make the spend. Do you need the item? Can you actually afford it? Do you simply want it for short-term gain? You need to know the difference between what you want, and what you need. If it is something you need, like a new computer for work, shop around to get the best model for the best price.

[Read more…]

Top Advice Store Owners Don’t Want You To Know

When it comes to money, a lot of families end up in woe down to their shopping bills. After all, whether it’s clothes, foods, or gifts, it can leave them feeling the pinch. But there are some ways you can do your shopping without getting out of pocket. In fact, here is some top advice shop owners don’t want you to know.

Look on their websites first

When you need something from a store, it’s always good to look on their site first. After all, you can see the full range of products they have for sale. And sometimes it gives you the option to see if it’s available in your local store. But also, you need to check out the price they are offering online. After all, some places will put a slightly lower price on their website than in the store. But if you want the product quickly, you should tell them what you saw in the store. They will then have to match it if they want your custom. And it means you will save money on the item if you do your research before on sites like http://www.kiplinger.com/article/spending/T050-C000-S001-15-web-sites-for-finding-deals-online.html.

Image Credit

 

Look into unused gift cards

[Read more…]

Tips for Being a Penny-Pinching Pro

Image source

Penny-pinching is often used as a pejorative to describe the kinds of people who won’t part with a single penny even for a good cause, but true penny-pinching isn’t quite so mean. A real penny-pinching pro is someone who knows the value of money and how to make the most of the cash they have available to them by using a range of tips and tricks to pay less for the things they want.

 

Whether you want to save money to buy a new phone or car, or you want to amass enough money to put a down payment on a new home, penny-pinching can help you achieve your goals more quickly than you might have imagined possible.

 

Here are some top tips which will help you become a penny-pinching pro in no time at all: [Read more…]

Cobwebs In Your Purse? These Ideas Could Help You To Raise Funds This Year

Credit

 

Nobody wants to spend 2017 without enough money in the bank. Getting by on next to nothing might be possible, but it certainly isn’t enjoyable. With that in mind, I wanted to release a post that shows people how to raise the capital they require. I’m going to make a couple of simple suggestions that could make all the difference. At the end of the day, sometimes you have to think outside of the box. For that reason, it makes sense to keep your eyes peeled for alternative solutions. However, for most people, the information on this page could help to turn their situations around.

 

Look for home refinancing deals [Read more…]

My Bank Account Is Empty. Now What?

Most of us have been in a situation where we have been dreading getting our bank statement through the post. We know that as soon as we open that envelope we will see that are bank balance is zero or is as close to zero as it is possible to get. The problem is that it isn’t just a financial matter: having an empty bank account can also make you feel overwhelmed and hopeless too.

 

Fortunately, there are many ways that you can save money and pull your bank account balance out of the red and into healthy territory. All it requires is a few changes to your habits, and you’ll be back on the road to recovery in no time.

 

Leave Your Credit Cards At Home

 

Credit card companies are ingenious in the ways that they entice us to spend more money. They do this so that we have to pay off large balances at the end of the month, netting them large interest payments in the process. Owning a credit card can be expensive, so the advice from MoneySavingExpert is to leave your credit card at home where you can’t use it. When you go shopping, only take the cash that you need and no more. If you can’t leave your credit cards at home, ask a friend to intervene by cutting them up. [Read more…]

Has Christmas Left You Skint? Give These Hacks A Try To Ensure That The Same Thing Doesn’t Happen Again!

In terms of finance, January really is a blue month, or at least, it is for a lot of people. If you’re currently struggling financially, don’t worry you’re not alone. Christmas leaves a lot of us in the negative because it is just so expensive. However, just because Christmas can be expensive, that doesn’t mean it has to be.

 

If you want to ensure that this time next year you’re not in the same place as you are now, you need to be proactive and get prepared early, as that way you can ensure that your finances stay healthy over the festive period and you don’t end up struggling to get by post-Christmas.

 

Want to know how to ensure that Christmas 2017 doesn’t write you off? Then keep reading, as all is about to be revealed!

[Read more…]

Too Much Month Left At The End Of The Money? Quick Cash Hacks That Can Save You From Borrowing

Screen Shot 2017-01-09 at 9.33.16 AM

Credit

 

Countless people find themselves perpetually in a state of trying to make ends meet. When there is too much month left at the end of the money, we’ll try anything to ensure that we don’t fall through the gap. We’ll look at any advice out there on how to make that money stretch just that bit further.

 

All too often that advice is not written or spoken by people with a real idea of what it’s like to struggle. Oh, so you’re saying I should swap out premium brand products for cheaper alternatives? Let me just put back these six bottles of champagne. Of course, you’re right! By halving my caviar budget, I’ve saved enough to pay for gas until February! Thank you!

[Read more…]

Borrowing Money The Smart Way

Screen Shot 2017-01-06 at 9.44.39 AM

Picture Source

 

As much as we all try to avoid loans or borrowing in general, sometimes it’s an unavoidable necessity. The thought of borrowing money and having the thought of that debt looming above your head does not, however, have to be quite so worrisome, if you’re prepared for the situation.

 

Always plan ahead.

This sounds like an obvious piece of advice, but you’d be surprised how many people in debt only ended up there because they lost track of how much they were borrowing.

 

It’s easy to tell yourself that you don’t have enough disposable income this month, so you might as well take out a small loan to fund that nice holiday away, or the new kitchen you’ve been craving for a long time. However, if you didn’t have enough disposable income for that purchase this month, then it’s going to be quite a few months’ worth of repayments before that debt goes away; that one “small” debt. As soon as you’ve done this multiple times, the money adds up quickly.

  [Read more…]

Different Loans You Can Get in Your Life

There may well come a time in your life when you need to think about taking out a loan. And you will need to make a decision about the sort and type of loan you’re going to go with. So, you’ll have to understand the most important loans you can get in your life.

Mortgage

Anyone looking to buy a property will need to think about taking out a mortgage. This is the most common route people will go down when they want to buy a home. There are a variety of home loans on the market including variable, fixed-rate, and split-rate. You need to meet with a mortgage advisor and figure out the best home loan option for you and the family. This will help you to afford the home you want, and will prevent you getting into financial difficulties. [Read more…]