Friday, 26 April 2019

How Not To Spend All Of Your Money Running A Car*



There is no getting away from it, owning and running a car can be expensive! Luckily there are some ways that you can keep the cost down as much as possible Something that means you will still have enough in the bank to go on day trips, weekends away, and even holidays as well. Read on to find out more.


Before you even begin

OK, so before you even get to the stage of running a car, you’ll need lessons, something that can be monstrously expensive. Of course, it's not like you can skip them because you will want to know you are as safe and capable on the road as possible.

Happily, you can bring the cost down driving lessons down by booking them in blocks, as many instructors offer a document if you purchase 5 or 10 at a time.

Additionally, if you can get insured on a family member's car and go out with them for some practice in between lessons you have a much better chance of passing faster, something that can cut the cost of your lessons down significantly.

Petrol

Without adding fuel, our vehicles won't run that is why it is It's a shame that petrol cost so much! Luckily, it is possible to reduce how much you spend on fuel in a few different ways. The first tactics is to track what the petrol stations near you are charging and ensure that you always go to the cheapest one when it's time to fill up.

Additionally, learning to drive defensively can also help you conserve fuel, something that is not only great for your wallet but better for the environment as well.

Insurance

Another essential that you need to have when running a vehicle is insurance. After all, you can't take or even park your car out of the road unless you have this.

The best move to save money here is to go to a company like Geico for an auto quote on insurance. The reason being that provider like these are well known to offer competitive cover at a decent price. Something that can actually save you a great deal of money and ensure they you are better covered in case anything does go wrong!

Buy or lease

One of the most significant costs that you will have to deal with when it comes to running a car is the actual purchase. After all, even the oldest models will usually set you back into the £1000s, with most brand new vehicle costing anything from £10,000+!

Of course, you can circumvent this issue by choosing to lease your car instead of buying it outright, something that will allow you to use a brand new vehicle for an affordable monthly fee.

The best thing about this is is that when you get sick of it, or a newer model comes out you can trade up easily as well without having to find a load of money for your next vehicle! Perfect for those that want to run a car, but don't want to break the bank!


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Thursday, 25 April 2019

Saving Money: Quick Tips To Save Quids*


Saving money is something we should all be doing, but not many of us are to our full capabilities. And, saving doesn’t even have to be about not spending anything, you can buy the things you want and still put money aside. No matter what your income. Pretty much there is no time of year that you don’t need to save money. Christmas, birthday’s, holidays… It’s pretty endless. All of the typical suggestions are:

  • Stop ordering takeaway
  • Use the car less
  • Cut back on branded food items
And, yeah, for sure they will all work. But there are other things you can look at too.


Photo by Colin Watts on Unsplash

Ditch Weekday Drinks

If you are partial to a tipple during the week, it might be time to strip that back to a good old cup of tea. It’s better for your health, and you’ll get a better night’s sleep too. But instead of grabbing a bottle of wine on a Wednesday, or having a few in the local cocktail bar on a Thursday put the money in a pot. You might be surprised how much you have in the pot at the end of the month.

Buy Online
Although there isn’t anything like strolling through a shop and trying things on when it comes to great deals the internet has got your back - big time. Signing up to mailing lists, getting first-time discounts of up to 25%, scouting for codes to get free delivery and being able to compare prices in a range of stores (all while in your PJs is pretty great).

Swap Providers
It might be time for you to check up on your gas and electric providers - there are many new options with green energy and easy top-up options it is worth shopping around. You might find that you are going to save a lot if you spend some time looking around for broadband and phone deals too.

Auto Saving
Set up Plum or Cleo and have them automatically calculate and save what you can afford each week. Because it has been carefully worked out by these intelligent little robots, you won’t be left short as they only save what you can safely afford, They work via your facebook messenger and takes a couple of minutes to set up.

Skimming
If you take a £10 to the shop and spend £9.50, take that extra 50p and put it in a jar somewhere. You can do this as many times as a day as you like. And you can apply it to your bank account too. Open a separate savings account, and every time you see your balance doesn’t end in a 0 move some cash. Like £603.47, you would move the 3.47 to your savings accounts.

Goals
It is essential to set yourself goals. Saving £5 or £50 in a month, setting small manageable goals is going to help immensely, the sense of gratification at meeting your goals will encourage you to save more too.


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