ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

ways to save

Updated on April 19, 2013

Cash savings

Our money is something we have to look after, especially in these days of recession, so cash savings are a must. A very good way of saving money is by transferring the balance on your credit card to one of the banks offering zero percent balance transfer. So when your credit card bill arrives on your doorstep and you look at the amount of money you owe and your heart sinks and your stomach turns over, stop panicking, take a breath and head for the computer. Bring up Virgin money, Barclaycard, Natwest or one of the other banks offering zero percent balance transfer, and sign up. They will charge you 3 percent or thereabouts to transfer your debt from a credit card account to their zero percentage rate account, and give you up to 22 months to pay it off. So if you owe, for example £1000, add on their charge of 3% i.e. £30 and spread the payments over 22 months is less than £47 a month. This is a great deal better than paying the debt off to your credit card company as some of them charge a whopping 30% interest, or £300 on your £1000.

I use Virgin but you can also apply to HSBC, Abbey, Egg, Nationwide or any of the big banks who offer this facility.

The latest zero percent transfer I've seen is from Natwest bank. They offer you 22months interest free for a transfer fee of 3%



Cash Back

Another way of saving money on your bills is by using a cashback site. These sites offer huge lists of retailers, insurance companies and warehouses where you can buy goods or take out your essential insurances, and then they give you some of your money back. Hard to believe, I know but recently I've used them and been very pleasantly surprised by the amount of cash I've got back. Depending on what you buy the cashback given varies from around 5% to 70%.

When my car insurance became due I used Topcashback.com and got quotes from different Insurance Companies. My insurers had quoted me £330 to renew my comprehensive insurance cover. I got it from Liverpool Victoria, through Topcashback, for £199, exactly the same policy. Then I received £70 back from Topcashback, so my policy cost me £129. A huge saving.

On my house insurance, I got huge savings. Through Topcashback I saved £60 by switching to Privilege. The policy gave me much better cover than I was getting for a lot less money.

I also switched my gas and power companies with Moneysupermarket.com and got £30 back for doing it through the cheaper company I found on their site.

Cashback sites take advantage of the way payments from different websites work. They list product providers and retailers, and when you click through to these websites, they get paid for pointing you towards them.

When you’re logged in to the cashback site the money raised from your click is credited to you so the site can pay you some of the money it receives from the click.

They also have agreements with many retailers, who will pay them commissions which they share with you.

The competition is so great now between retailers and insurers that I always look at the cashback sites before I buy anything. You can save hundreds of pounds a year just by browsing. Have fun!


http://www.topcashback.com

ISAS

If you have money that you can tie up for a year, cash Isas are a good, tax free saving.

Cash ISA limits are being increased to £5100. If you are over 50 it comes into force in October this year, but if you're under 50 you have to wait until next April 5th. This is a real boost to your savings as you can get a good deal from banks and building societies and the interest is tax free. If you get in on a yearly fixed rate you can do a little better than the normal cash ISA. At the moment I'm getting 3% with the Principality fixed for a year, but there are plenty of other deals about.


Tips on affiliate marketing

http://hubpages.com/_1g3pm5f9bb68l/hub/Affiliate-Marketing-Introduction-101

Comments

    0 of 8192 characters used
    Post Comment

    No comments yet.

    working

    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, hubpages.com uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: "https://hubpages.com/privacy-policy#gdpr"

    Show Details
    Necessary
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the googleapis.com or gstatic.com domains, for performance and efficiency reasons. (Privacy Policy)
    Features
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Marketing
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Statistics
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)