Some favourite simple money saving pointers to help you to get by in the credit crunch
If you are urgently searching for some ways to save some cash this year, then here are a few tips of money saving pointers that you might like to consider.
Make Your Own Lunch
Do you eat in the staff canteen, or buy sandwiches from the local takeaway shop? How much is that costing you each lunchtime? Add it together over the course of a week, or even a full year, and the amount is quite significant. Yet compare that to the lower cost of the same meals prepared at home, before work. Maybe the night before throw extra pasta or rice into the pan and take the surplus food to work in a Tupperware container? Cold pasta or rice dishes make a tasty meal. Or just take the easy option and make a few sandwiches and take some fruit.
Meals such as this might even allow a bit more free time over your lunch hour so that you can also escape outside for a walk. Add to that the fact that on the whole home prepared meals are probably a lot healthier, using a lot less salt etc, then the self prepared food might not only be cheaper, but more healthier.
Time Your ShoppingTrip
And whilst you are buying your packed lunch, watch what time of the day you are going to the supermarket. Many will offer food that is about to become out of date at a reduced rate shortly before the end of the day. So if you time your shopping visit for late in the day, you might also be able to pick up some of your usual favourites at a knocked down price.
Review Your Mortgage
How much have you currently got borrowed in your mortgage and what it’s costing you and with the recent collapse in interest rates is your home mortgage serving you as best it can? Have a quick word with a local free mortgage broker who can understand your financial circumstances and ask them to compare top mortgage rates for you. Is the deal you are on the best and what would it cost to move to something cheaperon the market? It may be cheaper for you to stay put if you have high exit penalty fees, but if there aren’t penalty charges or they aren’t too great, then you might find you can save yourself a tidy sum by moving. When your mortgage advisor compares top mortgage rates for you, they should also be able to look at your current mortgage to tell you how much it will cost to move.
That’s just three quick and simple ideas to save you potentially hundreds per year. But if you want to reduce your outgoings easily in the short term, then you can start saving straight away.
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Posted by ffgrdhrfsfg on March 22, 2009. Filed under HUD Homes.
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