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Wednesday, 14 February 2007
Movies - Home or Away?
If you are not into going to the cinema - then why not look at Amazon's DVD rental - prices start from only £4.99 / month and you can try it for 2 weeks - no cost! I use them and they are very good and they usually turn dvd's round very quickly.
Tuesday, 6 February 2007
Credit Card Bloated?
If your finances are in trouble, have you given them any attention yet?
If you have spent too much money on your credit cards here are two options to deal with it.
Lets start with the higher effort, shorter term option as most people want to get rid of their debt as quickly as possible.
First you could compare credit cards and find a new one with a 0% balance transfer for an introductory period.
This allows you to take the money you owe on existing credit cards with high interest rates and move them to a new credit card charging no interest for an introductory period of typically 6, 9 or 12 months. Instead of spending your money on interest each month, you can use it to reduce the amount of money you owe. At the end of the new credit card's introductory period, repeat the process all over again to minimise the interest paid and maximise your repayment power.
A low effort but longer term option is to take all of the debt on your credit cards and move them to a loan with a lower interest rate. Again this allows you to spend more money on paying back your debt each month and less on interest. This option takes less effort as once the debt is converted to a loan all you have to do is make the payments each month until the debt is repaid but does take longer as you are paying some interest. Make sure you compare loans to get lowest typical APR and therefore the least intersest to pay.
Obviously to maximise the effects of either of these options you need to stop spending!
Also if your finances are in serious trouble, please seek the help of a financial advisor.
Labels: credit card, loan
Thursday, 1 February 2007
Gas and Electric Bills to drop?
"Since last September, we have made clear our intention to cut gas and electricity prices if there was a sustained fall in wholesale prices which would allow us to do so, and I am very pleased that we have now been able to confirm this."
Critics however are suggesting that SSE would have to reduce its prices significantly to offer consumers real rewards for their loyalty.
Geoff Slaughter, Product Manager at website uSwitch said: "uSwitch is calling for double digit decreases now with an overall reduction of 24% for gas and 16% for electricity by the end of year if consumers are to benefit from wholesale price reductions."If suppliers are serious about being fair to consumers they should be cutting prices now, in the winter, when people will really feel the difference in their pockets," he continued.Price rises affect everyone but there's no need to pay more than you have to for your gas and electricity. uSwitch.com will find you a cheaper supplier in your area. Switch gas and electricity online today with our free and impartial service and see how much you can save.
I compare my gas and electricty provider every 6 months. In this market it pays to be aware of the market. By being complacent will cost you money.
Labels: electricty, gas
