Category: Save Money

Keeping Down your Phone, Broadband and TV Costs

We have many things that we pay for and entertainment is something that most of us pay for these days. These costs can often be sold in packages or you may buy them separately depending on which services you buy. It can be worth looking at each one and thinking about whether you are overpaying. Think about what you could do with the money that you save, perhaps buy other things, pay off a loan or save more money and so it could be worth thinking about each one and whether you are paying more than you need.

Compare suppliers

The first step is to look at the different suppliers and compare them. You may feel that the one that you are with is the only one that can provide the service that you want. It might be that they are the only one to provide certain programs, or the speediest broadband or something like this. If this is not the case though, you may find that you can get the same service from someone else and they could be a lot cheaper. There are quite a few to compare but not that many, which means that it should not be too difficult to look into it and you may find that a simple switch could save you a significant amount of money.

Reduce usage

If you use less then you could pay less, it all depends on what is included in your package. For example, you may have a certain amount of free calls but if you make more you will pay extra and so you should try to avoid this. The same with data and texts, as you may have some free on your contract but have to pay for any extra that you use. It is wise to track how much you are using. If you often go over then it might be better value to change contracts to one that will allow you to use more, but you will have to calculate whether it will be worth it. It may be cheaper to just go over a little bit and pay that bit extra.

Don’t pay for what you do not use

Some packages will include things that you do not use. For example, you might get certain television channels that you never watch and it may be possible to cancel those and not pay so much. This may also be the case with a phone where you may not use all the data or texts and so you may be able to go onto a cheaper contract. To find out, look at your statement and see what package you are on. Then find out from the supplier what is included in that package and see what you actually use. Then you may be able to go onto a cheaper package which includes everything that you need.

Package or not?

It can sometimes be cheaper to use a package deal whether you combine landline, broadband and television or combining mobile phones that are at the same address. It is worth checking though to make sure that these packages are really cheaper than paying for these things separately. It could depend on whether you will use everything that is included in the package or not. It is tempting to just assume that a package will be cheaper but you may find that it is not and so it is worth checking out all of the options so that you know for sure.

Risk it!

You may wonder whether if you do reduce the package that you may miss the things that you are going without. It is worth a go though as you can always change back again. So, if you find you run out of texts then change to a package with more or if you miss certain television channels then you can have them back if you pay more. No company is going to refuse to allow you to pay more money to them and so you should be able to very easily do this.

As you can see, you do not necessarily have to reduce the service that you are getting in order to save money. There may be other things that you can do that will help. However, changing to a cheaper package or deal will often mean that you have less in the way of a service as a result. This may be something that you are prepared to put up with if it means that you pay less. It will depend on how much you use that particular thing and how urgent it is that you reduce the amount of money that you are spending. It is a very personal decision but worth checking every so often as you could easily be paying more than necessary.

How to Reduce Your Utility Bills

There are many things that we pay for that we could actually pay less for and utility bills is often one of these. Most of us are paying more than necessary and it can be good to check so that you can be sure that you are not paying more than you need to be. That extra money could be really helpful perhaps in just buying day to day things, repaying loans like those offered by Emu.co.uk or for adding to your savings account.

Switch supplier

There is a lot of competition between suppliers and this means that some can be really competitively priced. It is often the case the biggest suppliers that are most well-known charge the most. You may expect that the well-known ones would be cheaper because they have more customers but this is not the case. The larger and more well-known companies get customers through brand loyalty and because people trust them more just because they know their names. This means that they can get away with charging more.

It is worth looking at the different suppliers and their prices to see whether you can save by switching to another one. You can do this using a comparison website. Although these are not perfect, it will just allow you to see how much you could save if you changed to a different supplier. The comparison website may not show you all options and they may not compare like for like, but it will give you a general idea. You can then look into things more for yourself. Of course, you will want to make sure that you get good value for money and therefore you may be concerned about using the very cheapest supplier. However, if you read reviews, check out their website and ask people you know about who they would recommend, you could be more confident in a less well-known supplier.

Once you have whittled it down, you could then look at the suppliers in more detail. Find out more about the company and how long it has been going. You may wish to contact their customer services as well and see how good they are. You will then be able to ask any questions that you have and be able to check that they will offer you good value for money.

Reduce usage

Another way to save money is to reduce your usage. We usually get charged for the amount of gas, electricity or water that we use and so by using less we will be able to reduce the amount that we pay.

Electricity is used for so many things it can be difficult to know where to start! It is good to turn off anything that you are not using such as computers, chargers, lights and televisions. If you do this all of the time then these small savings will add up. The larger savings can make even more of a difference though. For example, if you reduce your tumble drier use and hang washing outside or on a clothes airer this can reduce costs. You should also make sure that you have a full load before running a washing machine or a dishwasher. Consider getting solar chargers for your devices so that you do not have to plug into the mains to charge them. You could even get solar panels on your roof to help you to generate your own electricity, but you would need to spend out a lot of money in order to afford to do this.

Reducing gas is normally just a case of turning the heating down. This can be hard if you do not like being cold. However, thing about where you get draughts in your home and whether you can stop these. Insulation, curtains and draught excluders can make a big difference. Even shutting the doors and keeping a few rooms warm can be cheaper than heating the whole house. If you have a gas hob and/or oven then make sure that you do not have it on a higher temperature than necessary. When pans come to the boil turn them down as low as you can to just keep them at a gentle simmer rather than a rolling boil. When using the oven, put things in as the oven is preheating so it starts to cook more quickly and you can turn it off sooner.

If you have a water meter then saving water can also help. Make sure that you have short showers rather than baths and keep activities like using hose pipes down to a minimum. Get dripping taps and leaking pipes fixed as soon as possible. You may have water saving settings on your dishwasher and washing machine as well, which could be worth using. You can use buckets of water from washing the car or bowls form washing up or cleaning to water the garden to cut down as well.