Saving money on your heating and Electricity bills
I have come across two nifty little gadgets that can reduce you annual heating and electric bill.
The first gadget could save you up to £140 a year on your heating bill, and with the frost cold night with us this is a highly recommended product as not only does it save you money it helps to heat your room up quicker. It works by using a fan to spread the warmth more evenly around the room, thus reducing / eliminating cold spots and creating a convection system in the room. They also reduce the amount of heat being lost into the wall behind the radiator. Unfortunately they are they suitable for electric/ oil filled radiators. These radiator boosters have featured on Dragon’s Den and at the current low price they are a worthwhile investment.
The second gadget The Energy Wizard will knock up to 10% off your electricity bill just by pulling it in. I won’t go into all the technical stuff here (if you want to read about it you can here) all I can say is that it works by improving your electricity supply.
I am sorry but I do not know if these are available outside of the UK.
Tuesday 25 January 2011
Friday 14 January 2011
Money saving tips for grocery shopping
How not to buy more stuff than you need.
Ok so it is grocery shopping time, and you are on a budget and need to keep a tight reign on what you are spending. You also know that you nearly always buy more than you need from the grocery store, no matter how good your intentions are. There are good reason why you buy more than you need.
The supermarkets and grocery stores have spent decades researching the psychology of grocery shopping and it is now a perfected science. When you go grocery shopping it is a sensory experience for most people, with all the different colours and smells and the stores are laid out specifically to utilise these to entice you to spend more than you need to.
For example the meat and diary products (items that just about everyone needs) are always at the back of the store, so that to get too them you have go down the other aisles and the chances are that something will catch your eye and you will end up buying it.
The colourful stuff is generally near the entrance making the store feel welcoming and drawing you in again you will probably look at something here that you do not need but chances are you will buy something. Also as you move along the aisles the branded products are at your eye level whilst the cheaper store brand ed products are on the lower shelves.
Hopefully this post has given you a little bit of knowledge of how consumer grocery marketing works, and armed with this knowledge you will be able to avoid buying more than you need or better still not buying stuff you don’t want at all. Two tricks to help with this make a list before you get to the store and then stick to it.
Ok so it is grocery shopping time, and you are on a budget and need to keep a tight reign on what you are spending. You also know that you nearly always buy more than you need from the grocery store, no matter how good your intentions are. There are good reason why you buy more than you need.
The supermarkets and grocery stores have spent decades researching the psychology of grocery shopping and it is now a perfected science. When you go grocery shopping it is a sensory experience for most people, with all the different colours and smells and the stores are laid out specifically to utilise these to entice you to spend more than you need to.
For example the meat and diary products (items that just about everyone needs) are always at the back of the store, so that to get too them you have go down the other aisles and the chances are that something will catch your eye and you will end up buying it.
The colourful stuff is generally near the entrance making the store feel welcoming and drawing you in again you will probably look at something here that you do not need but chances are you will buy something. Also as you move along the aisles the branded products are at your eye level whilst the cheaper store brand ed products are on the lower shelves.
Hopefully this post has given you a little bit of knowledge of how consumer grocery marketing works, and armed with this knowledge you will be able to avoid buying more than you need or better still not buying stuff you don’t want at all. Two tricks to help with this make a list before you get to the store and then stick to it.
Monday 10 January 2011
Creating A Budget For Yourself Can Dramatically Improve Your Debt Issues
The following is an article that was written by someone else but I think is a very good read ( if anyone knows who wrote this please contact me so I can give proper credit)
Figuring out a budget is something that too many people have difficulty with and there is definitely no doubt about that. Unfortunately people, including myself, are just not educated enough about finding debt relief by having the ability to properly manage a well balanced budget. Following a strict budget each month or week, however you would want to do it, is no doubt the best way for everyone to improve their debt condition.
This is something that you should all really have already started thinking about because knowing how to manage your money properly and being consistent with it, will drastically pay off down the road. You will finally be able to enjoy your life completely, without all of the worries that come along for anyone who is just totally overloaded with debt over debt over debt.
Your budget will make it possible for you to recognize that you can survive every single month, not just survive though, much better than that, you could potentially have a little bit of extra money each and every month! How fabulous would that be people? You know you want it, you know you are exhausted thinking about your debt, so get up off that couch and stop pitying yourself, try fixing your debt problems instead of forgetting about them!
Allow your budget to work for you, no matter what might come up unexpectedly. If you can do this month after month, I do believe that you are just really going to be shocked by the wonderful results. You will have so much more confidence each day just knowing that you can make it on your own, you are a responsible, mature and highly intelligent individual. Learning about managing your money and following strict budgets at an early age in life sure did pay off for you as an adult, aren't you so proud of yourself!
Most of us do have a great deal in common unfortunately, whenever it comes to spending more money than we can truly afford to spend each month and it is definitely a very serious problem, or could eventually become a serious debt concern of yours. Creating this amazing budget for yourself can dramatically improve your severe debt issues for good, how fantastic does that sound?
Take the time out of your busy and very hectic schedule, sit down, take a deep breath and prepare yourself for this fun and exciting learning experience. You will learn so much about yourself once you have prepared a budget for yourself, to follow each and everyday that passes, that is going to rid you from all your debt. It will definitely be an eye opener for many of you out there that tend to go a little overboard from time to time when you are out shopping around for things.
Debt is your worst enemy so if you can do anything at all to prevent this from occurring with you all throughout your fun life, start at an early age figuring out how you will follow your budget each month and make it work.
Figuring out a budget is something that too many people have difficulty with and there is definitely no doubt about that. Unfortunately people, including myself, are just not educated enough about finding debt relief by having the ability to properly manage a well balanced budget. Following a strict budget each month or week, however you would want to do it, is no doubt the best way for everyone to improve their debt condition.
This is something that you should all really have already started thinking about because knowing how to manage your money properly and being consistent with it, will drastically pay off down the road. You will finally be able to enjoy your life completely, without all of the worries that come along for anyone who is just totally overloaded with debt over debt over debt.
Your budget will make it possible for you to recognize that you can survive every single month, not just survive though, much better than that, you could potentially have a little bit of extra money each and every month! How fabulous would that be people? You know you want it, you know you are exhausted thinking about your debt, so get up off that couch and stop pitying yourself, try fixing your debt problems instead of forgetting about them!
Allow your budget to work for you, no matter what might come up unexpectedly. If you can do this month after month, I do believe that you are just really going to be shocked by the wonderful results. You will have so much more confidence each day just knowing that you can make it on your own, you are a responsible, mature and highly intelligent individual. Learning about managing your money and following strict budgets at an early age in life sure did pay off for you as an adult, aren't you so proud of yourself!
Most of us do have a great deal in common unfortunately, whenever it comes to spending more money than we can truly afford to spend each month and it is definitely a very serious problem, or could eventually become a serious debt concern of yours. Creating this amazing budget for yourself can dramatically improve your severe debt issues for good, how fantastic does that sound?
Take the time out of your busy and very hectic schedule, sit down, take a deep breath and prepare yourself for this fun and exciting learning experience. You will learn so much about yourself once you have prepared a budget for yourself, to follow each and everyday that passes, that is going to rid you from all your debt. It will definitely be an eye opener for many of you out there that tend to go a little overboard from time to time when you are out shopping around for things.
Debt is your worst enemy so if you can do anything at all to prevent this from occurring with you all throughout your fun life, start at an early age figuring out how you will follow your budget each month and make it work.
Saturday 1 January 2011
Money Saving Tips for the New Year
Money Saving Tips for the New Year
Wherever possible bulk cook things such as soups, lasagna and casseroles and the freeze portions for later use.
Buy meat in bulk and stock up your freezer, freezing individual portions so that you only have to defrost and cook what you need rather than all at once.
Buy loose fruit and vegetables rather than pre-packed it is cheaper that way. Buy fruit and vegetables in season as they are then at their cheapest, if they can be frozen for future use do so.
Rather than buying on credit save up for the item you want, it saves the big interest payments on the purchases and you will feel good too.
Do you really need that gym membership? Why not use the park or go to work on your push bike! Or download exercise videos for use in your own home.
Use the coupons that come through your door each week, but only if you need the item that the coupon is for!. Also look for coupons online for products that you use. Then compare the reduced cost to the stores on brand to see which is the cheaper.
Take a packed lunch to work or school rather than us the restaurant or the sandwich van. Not only will it be a faction of the cost but will most likely be healthier too!
What recurring monthly subscriptions are you not using? Check any cancellation clauses and then cancel them.
These are just a few of the money saving tips that you can use in the New Year to save yourself a bundle of cash.
Wherever possible bulk cook things such as soups, lasagna and casseroles and the freeze portions for later use.
Buy meat in bulk and stock up your freezer, freezing individual portions so that you only have to defrost and cook what you need rather than all at once.
Buy loose fruit and vegetables rather than pre-packed it is cheaper that way. Buy fruit and vegetables in season as they are then at their cheapest, if they can be frozen for future use do so.
Rather than buying on credit save up for the item you want, it saves the big interest payments on the purchases and you will feel good too.
Do you really need that gym membership? Why not use the park or go to work on your push bike! Or download exercise videos for use in your own home.
Use the coupons that come through your door each week, but only if you need the item that the coupon is for!. Also look for coupons online for products that you use. Then compare the reduced cost to the stores on brand to see which is the cheaper.
Take a packed lunch to work or school rather than us the restaurant or the sandwich van. Not only will it be a faction of the cost but will most likely be healthier too!
What recurring monthly subscriptions are you not using? Check any cancellation clauses and then cancel them.
These are just a few of the money saving tips that you can use in the New Year to save yourself a bundle of cash.
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