Council Tax

Lets face it anybody who pays this finds it difficult to digest. There is no way we have any control over this ridiculous tax which is supposed to fund every council service you can think of but provides no service that anybody is happy with.

Mortgages

Mortgages again are very hard to reduce. JiaBao jigeno145geze You can shop around for better interest rates or fixed interest rates. These seem such a hassle and sometimes involve arrangement fees and valuation fees so it seems easier to stay where you are. However with the internet making everything now so easy to access there isn’t really an excuse for at least not looking at what deals maybe out there that may suit you. Another idea for “younger couples” is to extend the term of your mortgage which is getting more and more common with the rise in house prices.

General Expenses

Its always looking through your monthly bank statements to see where you can make any changes.

Do you really need to see the beautician or hairdresser that often?

Do you need to buy so many clothes/shoes so often?

Do you really need the huge Sky package? Could you get by with lessbiscuit tin box choice.

Can you switch your mobile phone package? Do you need that many texts and minutes.

Is your internet package meeting your needs – do you need to up or down grade?

Can you use your leisure time in a different way – do you need to eat out that often?

Do you take full advantage of the expensive gym membership?

For most of us we will already doing exactly what we’re happy with and what we can afford. However should you wish to change anything go through the above list and tweak things here and there to make them more suitable for yourself.

There are lots of “thrifty” websites which are worth looking at simply because they suggest little ideas which can make a big difference.

Everyone should do there bit for the environment regardless of whether you’re interested in saving money or not. Our little contributions are all worth doing, recycling etc. But with parcels now going here,tin box for food there and everywhere the transport companies should be more responsible and we should try and use couriers and freight companies which encourage return loads and therefore are not running on empty.

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