Cheap Van insurance Tips And Tricks

Friday, 7 November 2014

Over half a million over 50s say they will have to sell their home to pay off their interest only mortgage

• Two thirds with interest only mortgage say endowment won’t pay it off
• 30% of over 50s have “no way” of making up for the shortfall
• A fifth of Britons in their 70s still paying off mortgage

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Autonet announces their new affiliate partner First Call Leasing

Autonet Insurance, one of the UK’s leading van insurance brokers announces a new affiliate partner collaboration with First Call Leasing.

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Yeasayer – Don’t Come Close

Yeasayer – Don’t Come Close

from The Music of Grand Theft Auto V

Price: USD 0.99
View Details about Yeasayer

Thursday, 6 November 2014

London & South East goes 'al desco'

Since the Olympics began last weekend the number of people working from home in London and the South East has shot up by nearly a third, according to new data.

Your kids will cost you £313 this month

Do you feel as though you’ve had less and less disposable income every month since becoming a parent? You could be right.

If you’re a parent, you could be forking out as much as £313 per month on essentials for your little darling.

According to research from Santander, the average parent spends this amount on items such as food and drink, entertainment and babysitting. Over the course of a year, this expenditure equates to £3,762, which is more than 14% of the average Brits’ £26,100 salary.

If you already have children, you might want to stop reading now as the statistics are about to become even more alarming. During the course of 18 years, the average parent will spend £67,700 per child. Scarier still: this astronomical figure doesn’t factor in the cost of university.

Regional variations

Like almost everything else, the North/South divide comes into force with essential childcare costs. According to the data, the average parent in the South is spending £4,163 compared with a slightly more modest (though still pretty painful) £3,275 in the North.

The cost of food and drink is at its highest in the capital with typical spending of £106.30 and Londoners are also spending £50 per month on their child’s transport.

When it comes to activities, Scots are most generous and spend £52.20 per month compared with £30.90 in the North.

Cost of children essentials per month and year

	London	Rest of South	Midlands, Wales	North	Scotland	Average
Food and drink	£106.30	£89.70	£84.70	£89.50	£99.00	£91.50
Entertainment	£33.50	£29.40	£30.30	£30.10	£39.10	£31.20
Toys and gifts	£23.30	£22.90	£21.60	£23.10	£24.00	£22.90
Holidays	£65.40	£65.00	£59.90	£49.00	£44.60	£58.10
Activities	£37.10	£39.10	£36.70	£30.90	£52.20	£37.40
Transportation	£50.00	£35.40	£32.80	£35.60	£44.80	£37.10
Babysitting	£17.90	£65.40	£36.10	£14.70	£47.80	£35.30
Monthly totals	£333.50	£346.90	£301.80	£272.90	£351.50	£313.50
*Annual totals*	*£4,002*	*£4,163*	*£3,625*	*£3,275*	*£4,218*	*£3,762*

Source: Santander

So, how can parents cut costs if they’re struggling to cope with these monthly expenses?

Wise up to supermarket tricks

Wherever you live in the UK, food is the biggest expense for families and the average parent spends £91.50 on feeding their child per month.

Whenever you head to the supermarket, remember the main goal of most retailers: to tempt you to hand over as much of your money as possible.

Be wary of any two-for-one deals or other special offers, don’t be persuaded to buy more than you’ll actually use and try not to give into nagging for treats if you take your kids with you.

To learn more, check out What supermarkets don’t want you to know and Stop wasting £680 a year on food.

Check your benefits

Even if you’re working, you might still be able to claim some form of state benefits, such as tax credit or child benefit. If you believe you may be entitled to benefits you’re not already receiving, try consulting an online state benefit checker.

Teaching kids the value of money

Educating your children about money management while they’re young might help them avoid common financial pitfalls in adulthood.

According to an encouraging piece of research from Halifax, some 63% of children between the ages of eight and 15 perform household chores in order to boost their income.

As soon as your kids have put some cash aside, you could encourage them to open a savings account and explain about the benefits of earning interest.

A number of banks and building societies allow you to put parental controls on the account until the child is old enough to manage their own money, which would come in handy if you’re worried about you child blowing the whole lot in one weekend.

**This material is for information purposes only and should not be considered financial advice. We strongly encourage our readers not to rely solely on this content, but to seek independent advice when making financial decisions.**

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How to save an extra £50 a month

What would it take to make you happy? For some of us, it could be as simple as saving £1.66 per day.

£1.66… it doesn’t sound like a particularly earth-shattering sum, does it? In fact, it’s the kind of loose change you often find rattling around at the bottom or your bag or collecting dust on the mantelpiece.

However, some 9 million Brits would feel happier with their lot if they were able to put aside this amount every day, which would equate to £50 over the course of a month.

This is according to research from government savings arm NS&I, which also found that 62% of Brits are dissatisfied with the amount of savings they have.

With this in mind, we’ve rounded up some tips that could potentially help you save. You’re probably not going to attempt them all, but taking up just one or two could help you hit that £50 target.

Save on showers

Following a recent spate of price hikes, the topic of energy bills is a huge source of concern for households across the UK. Luckily, there are numerous ways you could slash your energy bill with minimal effort.

You could, for instance, replace your traditional showerhead with a water-efficient model. According to the Energy Saving Trust, this could save the average family of four around £72 a year on water heating and another £78 on water bills.

Once you factor in the £27 cost of the showerhead, that’s an annual saving of £123 or just over £10 per month. While it doesn’t exactly meet the £50 target, it’s a decent start.

Remember this tip only applies if your shower currently takes water directly from your boiler or hot water tank.

POTENTIAL MONTHLY SAVING: Around £10 or higher if you also try other tips.

Stop wasting food

According to research from the Waste and Resources Action Programme, the average family with children wastes 680 a year on food. Doing the maths, that’s almost £57 per month.

Check out Stop wasting £680 a year on food for tips on how you could save.

POTENTIAL MONTHLY SAVING: Almost £57

Cut the interest on your debt repayments

If you’re currently paying expensive interest on your credit card, you might able to save money with a 0% balance transfer card as these products won’t charge any interest during an introductory period.

Imagine you have a debt of £2,500 and are paying interest at a rate of 20%, you would be paying £38 in interest alone this month.

With a balance transfer card, you could avoid these interest payments during the 0% period and focus on paying down your debt.

Just one word of caution – most lenders charge a one-off fee if you would like to transfer a balance onto a card and it’s wise to take this in account.

POTENTIAL MONTHLY SAVING: Depends on your level of debt

Ditch the vending machine

By now, you’re probably sick of being told how much money you could save by taking a packed lunch into work every day, but have you considered how much you spend on snacks?

Say you buy two cans of cokes and a bar of chocolate from the vending machine every day, you could easily be spending £1.66. Ditch this habit and you could potentially save £50 a month.

POTENTIAL MONTHLY SAVING: £50

We can’t promise eternal happiness, if you follow our money-saving tips. However, you might be able to put a little extra into your savings each month and perhaps feel a little less financially frustrated.

Wednesday, 5 November 2014

Historic bell stolen from arts site

Thieves have stolen an historic bell from an arts centre in Ireland.

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