How much you pay for insurance can make a sizeable difference to the overall cost of owning a car, so it’s important not to pay more than you need to. I just renewed my premium, so got to thinking that I needed to share some tips on keeping premiums as low as possible. Of course I went to a comparison website and saved over £200 off the quote last year’s provider gave me for renewal, but there are plenty of other things to consider.
Here are our top tips to avoid over-spending on insurance:
Factor in insurance from the start
It’s easy to be seduced by the upfront price of a new car, but remember that it doesn’t include the cost of insuring it for the road.
The more powerful and more valuable your car, …
Until last summer, 32 million of us had never checked our credit scores, arguably one of the most important numbers in our lives. A credit report and score is like your ‘financial CV’. Essentially they’re used by a bank or lender to assess how reliable you are.
The difference between having an excellent credit score compared to a low score could save you thousands of pounds. In fact, the average Brit could save around £19,000 on credit card interest alone across a lifetime – that’s nearly a £1,000 more than the average annual take-home salary in the UK. People who actively manage their scores and keep on top of their money will be rewarded when they apply for financial products. Your credit score affects your life in a lot of different ways other than just …
So I started matched betting at the end of April and have made £1,700 profit since then. I started as a fellow money blogger Emma at Aldi to Harrods had at that time made £9k and been at it for 10 months.
The beauty is that it’s tax free, but there are really some things you need to know before starting. I actually do this with Mr BH as it took him less time to get it. You can both do it, but some betting outfits won’t allow two of you from the same address, but some will.
1. Start with £500/£600 of your own money
If you want to dabble up to £50 is fine, so you don’t have to start with much at all. But you need money to lay off bets, and …
Our homes are getting smarter, and now our cars too. They can tell your insurance company whether you are a careful driver and then the insurance guys set your premium accordingly.
Sounds good? Here are some more details. DrivePlus is Direct Line’s telematics insurance policy, which offers drivers of all ages an upfront discount when they take a policy out.
DrivePlus gives customers a driving score which is calculated by analysing driving style, including smoothness, braking and contextual speed and where and when you drive. Users can review their overall driving score and their score for each individual journey to see how they have improved over time. The price of the policy is reviewed at the point of renewal and takes driving scores from the prior year into consideration.
Customers have achieved discounts of up …
I am a massive fan of FreePostCode Lottery and Number Plate Lotto, so Raffler, is another take on the idea of giving away free cash..and this new service gives away a lot of money! Downloadable on iOS and Android, it claims to be the first UK-based app to crack the dream of giving people money for free.
The prize pot is generated by the advertising revenue from the mobile adverts. While Raffler grows its user base, each daily prize draw is set at a minimum of £1,000 (this is guaranteed as a minimum for one year from the date of launch on 1st February 2016), with the largest Jackpot to date being a mega £4,000 rollover. As the number of daily players increases, and more adverts are watched, there is potential for the prize pot …
London’s foodies can cut their bills at more than 100 restaurants across the city with CityMunch. The app allows restaurants to connect with Londoners in real-time, instantly publishing simple, time-limited discount offers to customers’ smartphones.
CityMunch’s deals are designed to be straightforward: just a percentage off of the food bill for the entire table, no matter how many people are eating. There are no complicated terms and conditions to wade through and no upfront cost. Diners simply check the app for a nearby deal, reserve a voucher, arrive during the offer’s availability period and show their phone to staff.
The app’s time-specific deals benefit both parties – diners save money and restaurants fill seats when they need to. The new app that allows diners to claim real-time discounts of up to 50% off their restaurant …
An online freebie website is calling on the public to nominate their ‘tightest’ friend to be considered for a six month ‘freebie quality checker’ job role, for which both the nominee would earn £500 each month, alongside freebies to review.
The job role would entail reviewing the site’s selection of freebies. Freebiesupermarket.com wants to ensure that its freebies are the best online, so if one isn’t deemed as a quality freebie by the frugal freebie checker, it will be removed and replaced by another.
Members of the public need to nominate their cheapest friend by the 23th May 2016, along with an instance in which they’ve been particularly stingy – https://www.freebiesupermarket.com/nominate-a-mate.
The website team hope to publish the best and funniest examples of people’s friends being ‘tight’ with their money on the website’s blog, …
So after a long time thinking about it, I have started my matched betting journey, and my biggest inspiration is Emma at EmmaDrew.Info, so I asked her to write me a short post about top tips she has to share about Matched Betting…she’s made just under £10K, tax free from it since July 2015, so she’s worth listening to.
“I love finding ways to earn extra cash and letting others know what works and what doesn’t. Since July 2015 I have been making money tax free and risk free using a gambling loophole called matched betting and I would love to share 5 things you need to know to succeed at matched betting.
What matched betting is
The first, and most important, thing that you need to know is what matched betting is. Matched …
Today, Free Postcode Lottery announced an increase to its main prize by £50 per day to £250 per day. The entirely free online lottery company founded by Chris Holbrook in 2011 has been growing exponentially (it is 300% larger than this time last year) and it is on track to give away £20,000 per day by 2020 to coincide with registering 20% of the UK population on the site. I have won £100 on the survey draw, so it’s all lovely and above board and no strings attached.
One of the UK’s most popular websites, Free Postcode Lottery boasts 530,000 active members who reside at 22% of all postcodes.
The site now gives away £450 per day (including a main draw and smaller draws) totalling £164,000 per year. FreePostcodeLottery.com is a totally free prize draw …
This is an unusual post for me, but I remember when I started my own business, there weren’t a lot of finance options around that I could afford…bank said no and credit card interest was high, and I was definitely not going to any payday lenders.
So I was interested to hear about a new UK-wide start-up loan product, CWRT Micro-Loan – it’s backed by the government Start Up Loans initiative so all kosher. The new Micro-Loan product is available now as a start up loan of £500 – £4,500. It can be repayed over five years, so that is fantastic and interest is fixed 6%. It can be used for starting up costs, such as office equipment, marketing or a website. As the Micro-Loan is approved directly by the CWRT ( a responsible finance …