There are so many ways to make a call these days - mobile, fixed line, over the internet, think about your phone usage, when you make calls and to where and find a deal that fits (cost effectively). Tariffs can be complicated so use comparison websites to find a simple solution. Make sure you compare like with like (for instance, deals over the same time span). Or to maximise savings, visit Moneysavingexpert where Martin Lewis says there's no need to pay more than £20 a month for a top home phone package and broadband combined.
You could be wasting thousands of pounds on useless and expensive insurance, according to Which? Whilst life insurance and separate cover for cars, buildings and contents is vital, it argues that other cover such as ID theft insurance, extended warranties, mobile phone cover and payment protection insurance are often completely unnecessary. So do your own risk assessment and decide what you really need.
Don't renew automatically. Compare several quotes (like for like) and cut out unnecessary cover. Use two comparison websites and cross compare. Also, some of the biggest insurers offer their best deals direct so be prepared to pick up the phone too!
If your family income is under £66,000, you may be entitled to benefits and tax-credits. You can check you're not missing out really easily at Entitledto.com.
1 Turn the heating down and put on another layer. Give your home an energy check up and save around £250 a year. Visit Energy Saving Trust.
2 Why not holiday at home this year? Too drastic? Then at least book flights, hotels, car hire early and on the internet for the best bargains.
3 Cancel the gym membership (if you cancel the cleaner and gardener and do it yourself, hey, there's your new workout!)
4 Bank online! An ICM poll from Abbey found that nearly 40 per cent of those who bank online found they were saving more money. They were better able to determine when to tighten their belts and when to tuck away any extra in savings.
Check out the mortgage calculator, loans, credit cards & savings comparison tools
The views represented in this article are those of the author and not of Channel 4. The purpose of the article is to provide general information only and does not constitute financial, investment, legal or other advice.You should not rely on any information provided in this article and you should always seek out independent professional advice relevant to your own particular circumstances.
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