Hot Deals

310315

Burger King 2 for £4.00

http://burgerking.co.uk/splash

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290315

Free Coke Zero

https://redeem.freecokezero.co.uk/?mweb=1024

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290315

 

Get £12 off when you spend £60 on your first grocery shop using eCoupon  http://www.tesco.com/groceries/

Code

XXFNJE
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2903215

Old El Paso, stand 'n' stuff soft taco kit, smoky BBQ, £1 from farmfoods  usually £3

http://www.hotukdeals.com/deals/old-el-paso-stand-stuff-taco-kit-1-farmfoods-2175148?utm_source=dlvr.it&utm_medium=twitter

Money Saving Ideas Save £1461.00 Every Year

9.   Turning  your heating down by one just degree will save you £30 per year
Saving £30.00
Total Yearly Saving £1461.00


8.   Cheap Deodorant. How much do you pay for deodorant, is it any better than the cheap/value ones available in supermarkets ? decide for yourself ! 
 http://www.superscrimpers.com/fashion-and-beauty/product-comparison/can-cheap-deo-still-job/

Saving £37.50
Total Yearly Saving £1431.00
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7.   Buy a Breadmaker. Wake up to the lovely smell of freshly baked bread which is cheaper, healthier and has less sugar than shop bought bread.
Saving £208
Total Yearly Saving £1393.50
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6.   Meat Free Days, easily save £12 per month by having a meat free day once a week, build up to 3 meat free days and that is a massive £432 a year and a lot of fun learning new recipes.
Saving £432
Total Yearly Saving £1185.50

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5.  The National Lottery it wont be you, the chances of winning are 14million to one so most people will get small wins, ig you need to be in a lottery join the free postcode lottery, there are daily prizes and its completely free http://freepostcodelottery.com/?ref=248123
Saving £104
Total Yearly Saving £753.50
 

4.   Do you really need kitchen rolls? its an item you just drop into your basket on your weekly shop because you feel you really need it and its probably costing you two pounds per week. Have a look round at what you can use instead. try using J cloths which are re used or old towels and t shirts cut up.
Saving £100
Yearly Saving £649.50
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3.   Easily save 15 % on your petrol costs by reducing your speed from 70 mph to 60 mph this will give you a fantastic yearly saving of  £400.00.
Saving £400
Yearly Saving £549.50

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2.   Bulk-buy foods  Use the vouchers available in newspapers, Aldi usually have a £5 off £40 pound shop, I buy 3 papers @55p each and stock up on non perishables like toilet rolls and cleaning products and long use buy dates like cheese and butter, saving over a year is £137.40
Saving £137.40
Yearly Saving £149.50
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1.  How many things do you have on standby? Each product left on standby costs about £2.50 per year. I found I leave 5 things in the house on standby so that's wasting £12.50 per year, Now that doesn`t sound a lot but that is the whole point of learning to save its the small changes made over time that will make the difference . Its easy to switch them off its also easy to leave them on. The way I look at it now is I would rather have £12.50 in my pocket than let an electric company gain from my laziness.


Saving £12.50
Yearly Saving £112.50

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Stop trying to keep up with the Joneses

Trying to keep up appearances is little more than a costly illness. Remember, you cannot judge someone by what they have because you don't know how they got it. Chances are they're in more debt than you are. You can save thousands of pounds each year by making small changes to your lifestyle. Become determined to increase your well being and smile when you see your neighbours with their latest purchase knowing that you are making changes to improve your life and they have probably increased their debt.
Every week try and make one or two changes or improvements to your well being, keep a diary and add up each week how much the saving is worth. You will be amazed in a years time at the improvements to your bank balance.

Save £100 per year on kitchen rolls Wednesday 28th July

Day 1/365
Do you really need kitchen rolls? its an item you just drop into your basket on your weekly shop because you feel you really need it and its probably costing you two pounds per week. Have a look round at what you can use instead. try using J cloths which are re used or old towels and t shirts cut up.

Total saving
£100 per year

Two small changes that will save you £460

1. Easily save 15 % on your petrol costs by reducing your speed from 70 mph to 60 mph this will give you a fantastic yearly saving of  £400.00.
2. Changing your bank account can actually make you more money. If you have a least £1000 per month paid into a Halifax reward account they will credit you with £5 each month which adds up to £60 each year for nothing

Making small changes

By enlarge people are looking in the wrong places, they are looking for that amazing breakthrough. Try to understand the making small changes philosophy, understand patience, understand that how making small steps does make a difference over time. Leaving your TV on standby does make a difference, having that take away does make a difference. Have faith in the process of making small changes, making small savings every day with the magic of compounding will make a huge difference to your financial well being.

Don`t look for the big breakthrough

Rather than keep looking for a big breakthrough think about how you can improve your financial well being by making small changes. By changing the way you think its possible to achieve great things. By looking for the big breakthrough by hoping your lottery numbers come up, by hoping your bets come in is looking for a day that doesn`t exist. Some day I`ll be rich, some day I`ll win the lottery, some day I`ll be free of debt the trouble is some day never comes, the big breakthrough never happens.
Learn to make small positive changes to your financial well being every day and every week and you will , over time achieve massive improvements. Change the way you think saving money and being better off is about making those small changes.

The big break through

When we read our how to books on saving money we are looking for the big break through, we read about losing weight and crave for an instant reduction. In reality it will take time to loose weight. When we try to improve our financial well being all the information about saving money we need is out there , how to reduce your phone bill, how to reduce your debt, how to save on your shopping just look at all the information on money saving expert. So why is it so hard to improve?  

The secret

The secret is to change the way you think, no amount of how to books will help you change unless you can change your mind set. How many times have you read a how to book or read an how to article on something like loosing weight , been fully motivated you set off trying and follow the diet but fail after a few days. If how to books were the answer or the latest crash diet was the answer it would be easy and we would all be slim. All the information is available for us to achieve what we want. The information is available in books online and from loads of different sources so why is it so hard to achieve success ?

Making small changes

If making small changes is the magic ingredient why isn`t everyone doing them. The answer is because the are easy to do and they are also easy not to do. Ninety five % of the population think it doesn`t matter I`ll leave my television standby on because it doesn`t matter, I`ll just pop out for a kebab because it dosen`t matter I`ll just buy this magazine because it doesn`t matter but guess what it does matter, all these little things added together over time do matter. Ask your self are you making small changes work for you or against you.

How to make one million pounds

Did you know that saving five pounds a day for forty years would, with the miracle of compound interest earn you £1 million

Where does my money go

Notice how your money seems to evaporate, as soon as you get paid it seems to disappear at an alarming rate and very soon its the 7th of the month and you realise that you haven`t got enough money left to last to the end of the month. This is happening to 95% of the population every month and they seem to bury their heads in the sand and do very little to change because the problem seems to hard to solve. The easy answer is get a loan to help me by, its so easy one phone call, they will even fill the form in for me and guess what I can have a bit extra to show off to my workmates that all my finances are under control. Warning ! getting a loan is not the answer, it just makes the problem worse. The magic solution is to make small changes. Cutting back on spending is the same as getting a pay rise, its the same as getting a loan. small changes to your spening habits WILL make a massive difference to your financial well being over time.

Shopping downsize

Take a quick look at money saving expert and it shows you how to save a third off shopping with a saving of £1700 per year or approximately £30 per week. That's amazing and true , but the hard part is actually doing it. Just go down to your local supermarket and change everything you buy, save £30 and give your whole family a complete change of food and toiletries easy isn`t it. I tried it and it doesn`t work within two weeks your will be back buying the brands which you have been brought up on.
Having thought long and hard as to why its so hard to change when after all the savings are so massive I realised that it has taken me years to develop my shopping habits. How can I be expected to change overnight. By making small changes I was able to reduce my shopping bill without noticing. Bit by bit week by week I began to change one or two items each week. If I made a change and I didn`t like the new cheaper product I looked for another alternative. The best thing with making small changes is that you don`t notice the difference each week. Its easy to do but its also easy not to do. Within a couple of months you will find your shopping bill has been greatly reduced.

Do you really need it

How do we make sure we don`t buy things we don`t really need ? By keeping a spending diary we can keep a check on where our money is going. At the end of each month your spending diary will show where your money is being spent as well as how much money if any, you have left. Most books you have read will now start telling you how to cut back and make a big difference quickly, off you go and identify ways you can make huge changes to your life style and become wealthy overnight. After a couple of weeks you decide that staying in every night in the dark and eating little or no food is having a serious effect on your wealth. So you decide to give up and start to think that all the people who post on money saving expert are losers.
Why did you find it so hard to make changes ? The answer is easy, we are looking to make a big impact and want instant results. By making small changes and often you can make massive changes to your lifestyle over time.

Are you getting ripped off

Each day are you improving or getting worse or don`t you know. The chances are that you don`t know, which means that you are becoming worse off each day. Most people just bury there heads in the sand when it comes to money. I`ll just buy that burger because it won`t matter, that new pair of shoes only costs twenty pounds so it won`t make much difference. Every day everybody makes loads of decisions which don`t seem to matter. They do, its these small things that added together over time make a huge difference to our well being, each one seems irrelevant. but if you took the time to make a note of your spending habits you will quickly see how that coffee here and that magazine there are having a tremendous impact on your life.

Daily thoughts. The magic ingredient

When I started to make small changes to my life style the hardest thing I found was that nothing seemed to change at first I seemed to be making loads of changes but couldn`t see any benefit.I felt like it was becoming like a new crash diet, loads of effort and pain, no weight loss then give up and go back to normal. I was looking for a big bang, instant change. I began to doubt whether or not it was worth trying to change my spending habits. I tried to work out what was the magic ingredient I was missing, attitude, willpower or luck. What do I have to do to make it work, I have read all the books and seen the DVDs, I new what to do but why does it not work for me. The answer, the magic ingredient, TIME. Small changes over time. Start to make small changes over time, two or three a week perhaps, at first nothing seems to happen but over a year your well being will have changed massively.

Why small changes

Switching a light off when leaving a room will not make a big change in your wealth, this is probably why most people don`t do it. They think it doesn`t matter. Walk past the TV left on standby, turn your heating up a little, hammer your car while driving to work, buy a latte on the way in, get a meal deal for dinner, smoke 30 cigs all these things don`t matter. What we all do is go through each day saying these things don`t matter because individually they don`t add up to much. we spend our lives doing things which we convince ourselves won`t harm us.Turn off the tap, stop money dripping away. Learn how to reverse the process of doing small things that damage your wealth. Begin to make small changes that improve your wealth. Cutting out on a meal deal today won`t make you rich the same as by buying a meal deal today won`t make you poor. That £5.00 a day won`t change my life you convince yourself. But it will, £5.00 savings a day can be invested and using the magic of compound interest  turned in to over one million pounds in forty years. For the next couple of weeks write down each day what small things you do which cost you money.Open your eyes and see how your hard earned money is dripping away.

Top Cash Back

Top CashBack the UK’s most generous website.


We do talk about this a fair bit – but then, we feel this is something to be very proud about. In fact, we’ll say it again - at Top Cashback we are the UK’s Most Generous Website.

But what exactly do we mean by this ? Well, when we launched, we were the only site to offer 100% of your cashback back to you whilst not charging any admin fees whatsoever – and this is still true today.

What is more, we are so determined to maintain our crown as the UK’s Most Generous Cashback site, we have continued to offer a better and better deal to our members whenever we can. We always ensure that we offer the best end deal to our cashback members.

Thanks to our members, we are now one of the largest cashback sites in the world. This means that we tend to get the best cashback deals from our merchants.

In fact, we are so certain of our competitiveness, we have introduced a ‘Highest Cashback Guarantee’. In the unlikely event that another cashback site has managed to negotiate a higher cashback rate with any retailer, then we will refund the difference out of our own funds (even though any other site is likely to charge an admin fee).

Even better, we now reward our loyal members for their… well, loyalty . Based on your cashback earnings in any particular month, you can now earn up to 110% cashback on your purchases in the following month

Free Holiday

Every year for the last 5 years I have had a free holiday thanks to Mr Tesco, the last one being a week in the Gambia. I have achieved this by saving the Tesco club card points and converting them to holiday vouchers which are worth four times the value of the discount voucher so that means that a £100 spend in Tesco which attracts double points can be converted into £8.00 worth of holiday vouchers which can be used with Cosmos to book your holiday. The trick is to look out for the offers to maximise your points balance.

Yearly saving £800

Car break down cover

This year I saved £35.00 on my car breakdown cover, when my cover is due for renewal I always check to see which is the best deal available and spend about 20 minutes on the Internet as well as calling my existing supplier to see what their best offer is.How many people are loyal to one company and just pay what ever the going rate is. This is because its easy to pay but its also easy to save.

Yearly saving  £35.00

A A breakdown cover for just £6.50 per year

A fantastic offer from Topcashback, sign up for AA through Topcashback and pay only £6.50 for a years basic cover. Thats a massive saving of £21.50.

Standby

How many things do you have on standby? Each product left on standby costs about £2.50 per year. I found I leave 5 things in the house on standby so that's wasting £12.50 per year, Now that doesn`t sound a lot but that is the whole point of learning to save its the small changes made over time that will make the difference . Its easy to switch them off its also easy to leave them on. The way I look at it now is I would rather have £12.50 in my pocket than let an electric company gain from my laziness.

Yearly saving £12.50

Daily thoughts

I have been listening to all the people moaning on the BBC about yesterday`s budget. The experts have worked out that poor people spend one in every seven pounds they earn on items that are effected by the increase in VAT. That means they are spending £14.28 from every £100 they earn on items that have gone up. So that is 36 pence increase for ever £100 of money they earn. It makes me think that a lot of problems are caused by peoples ignorance when it comes to money. We are are country that is too reliant on benefits and handouts. The opposition party has cried foul and not taken responsibility for how its created a culture of what can the state do for me rather than teaching people how to improve thier own lot.

Petrol, speed

By reducing your speed on motorways from 70 mph to 60 mph you can make a saving of 15 % on your fuel bill. It just means you have to plan your journey a bit better so you are not constantly having to rush every where.

Yearly saving  £250.00

Petrol, cheapest in your area

One of the easiest money saving ideas is to reduce the amount you spend on petrol. By making small changes its possible to save over one quarter off your fuel costs.
 Make sure you are buying the cheapest fuel in your area check with petrol prices petrol can vary by as much as 11pence per litre are you paying the lowest price.


Yearly saving £200

Why doesn`t saving money work for me

Ninety five percent on people can`t save money, That's one in twenty of us just throw money down the drain each month. When we try to save most people read a book or read an article which shows us how to make a massive saving of perhaps fifty pounds a week on our supermarket shop. Off we go full of good intentions and buy every value brand possible and make a huge saving but within the first week we start to find a lot of the stuff we bought we don`t like and start throwing it away and by the next week we just go back to buying the same old items and rather than saving any money you have wasted money by throwing stuff away.
If you look at what you spend your money on each week you will find you have spent years developing your spending habits, trying new products , taking in recommendations , your favourite childhood treats and all of a sudden you try to completely change and you  are surprised when you fail.
Rather than than looking for the big changes learn how to make small changes and over time you will  be far better off without noticing.

Bank Account

Changing your bank account can actually make you more money. If you have a least £1000 per month paid into a Halifax reward account they will credit you with £5 each month which adds up to £60 each year for nothing. Switching is very easy now and your new bank will transfer all your direct debits and standing orders just let your employee or pension company know your new details and as long as you stay in credit you will earn your free £5.00 per month.
Tip. Keep your old account open for a few months to make sure nothings been missed.
Yearlyl saving   £60.00

Spending diary

Why keep a spending diary? The first part of becoming wealthy is about taking control of your money and spending less than you are earning. It will be very hard to control your spending if your are not aware of where your money goes each month. Every day for the next three months make a note of your daily spending which includes both what you spend in cash as well as payments you make through your bank. The idea behind this is that you will be able to identify where you are spending and look for ways to reduce how much you spend on each category, The less you spend then the more you will have to reduce debts and invest. Just as in any business your bottom line needs to be as low as possible.

Reduce your weekly Shopping..Top Cash Back

Get paid every time you spend, use a cash back site every time you spend on the Internet. Money saving expert suggests that Top Cash back is the best site for this. Before you purchase anything check to see how much you can save and make sure when you renew your contracts for your gas, electric, insurance and phone you use the cash back site. There are also a lot of ways you can get money for nothing.




Yearly saving... £250

Reduce your weekly Shopping..Toilet rolls #1

How much do you spend on toilet rolls ? Up until now we had been using Andrex at a massive cost of 49.4p per roll, when I thought about why I spend this much on a roll of tissue paper for home when whenever I go out I just use whatever is provided. When we are on holiday for two weeks at a time we just use what is in the hotel the same happens when at the work place. This got me thinking why spend so much on toilet paper for the home. I have now found a paper which is suitable and costs a fraction of the price (9.1 pence) this makes a saving of £73.54 per year.

Save 7

Save 6

Save 5

Save 4

Save 3

Reduce your weekly Shopping

Follow my daily tips to see how much you can save by just putting in a little bit of effort each day. It is the small tasks which you carry out each day that will make you massive savings each year. How much can you save let me know.

1. Toilet rolls                                   Saving :  £73.54
2. TopCashBack                                           £250.00

3 Rules to increase your wealth

Rule 1  Motivation
                        Why doesn`t saving money work for me

Rule 2  Action
                        Spending Diary

Rule 3  Savings
                        Bank account                           £60.00
                        Toilet rolls                                £73.54
                        Topcashback                         £250.00
                        Petrol, Cheapest                    £200.00
                        Petrol Speed                         £250.00
                        Standby                                  £12.50
                        Car breakdown cover             £35.00
                        Free holiday                          £800.00