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Yes exactly what the title say's why work overtime or search the net for the so called money making schemes and possibly ending up with a a scam that never pays out!! When just by a little research & some minor changes within your household you could probably save alot more money while leaving the so called schemes as a means of passing time.
1 Firstly Check your mortgage you maybe able to save thousands by just changing your mortgage provider or even better staying with the same lender but going on to a cheaper rate it can be done easily. This is especially true if your on the standard variable rate (the banks standard rate which changes as the Bank of England changes it's rates). If your not sure what type of mortgage you have call your mortgage provider they can not only tell you but may disscuss other options if you wish to change. It's always a good idea to speak to them first as they can sometimes come up with a competitive rate.
2 Secondly check your Insurances i.e. Motor, buildings & contents, life e.t.c. By shopping around you might get a cheaper quote as I have always found. Rather than searching the net (though sometimes there are discounts e.t.c.)I start off with list of insurance providers (yellow pages comes in handy here) & give them a call (normally free calls), it can take time & sometimes the current policy is the best atleast I'm confident that I'm not overpaying. Searching the internet is another option if you prefer to do it in your own time
3 Credit cards/Loans etc - try not to pay interest if you can avoid it by transferring balances on 0% cards, but sometimes it can be difficult with a large loan or a bad credit rating. If you are in debt & finding it hard to pay the minimum payments get free advice(citizens advice bureau), debt helpline or negotiate with the lenders themselves explaining your situation & asking for a reduction on the monthly payments (Although not all lenders will accept this).
4 Saving tax, always read your payslips, P60 e.t.c. The tax office normally send out a booklet explaing the tax codes & other tax related matters with your tax coding notice. If you have paid too much tax in the year it's quiet simple to claim it back from your tax office. The amount can easily be worked out using your P60 (given to you by your employer every April)& the above booklet (if you dont have one ring your local tax office to obtain it) Make sure you claim your tax allowances e.g. childrens tax credit(if you have children) & job expenses allowance (if you wear a uniform at work which can't be worn outside work)
5 Check your savings. There are some great saving accounts & rates especially the Internet accounts.
6 Changing your Gas & Electricety supplier can again save you money & in many cases it can all be done over the internet. WWW.buy.co.uk & www.uswitch.co.uk an give you quotes on cheapest suppliers in your area.
7 Yes it's the phone company.... there are some very cheap deals for local, nationl & international calls especially if your with BT. These can be found on www.oftel.gov.uk.
8 When travelling shop around for travel insurance rather then buying it from the travel agent.
9 Changing your ISP is another option, not many people would want to do this but there are cheaper alternatives although the quality maybe lower.
10 Looking for bargains over the internet. Handy if your buying electrical goods, clothes, cd's, dvd's e.t.c.
Finally there are no hard & fast rules about saving money what works for one person would be useless for another, it's the changes your happy to make that are important.