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Save Money And Time This Christmas By Using The Internet
By Rachel Lane, Sat Dec 10th
You don't have to be a Scrooge this Christmas to save money.Financial planning isn't the same as financial skimping and withjust a little time spent on the internet, you can ensure you'regetting the best deal on all of your personal finances, as wellas your shopping. It is interesting that many of us will shoparound for insurance and to a certain extent for our Christmasshopping, but with products that demand long term accountabilitywe tend to be more passive. For example, we may choose to shopat Tesco instead of Waitrose to save money and we buy Valueinstead Finest, but when we are paying more than we have to oncredit cards and loans - apparently we're more than happy tostay put.
The lack of interest in managing our personal finances has moreserious consequences though and in its October report, CreditAction, a national education charity, informed that: * 15% of 18-24 year olds thought an ISA was an iPod accessory
* 10% of 18-24 year olds thought an ISA was an energy drink * Almost 80% of people surveyed did not associate APR withinterest rate
Whilst we are quick enough to apply for credit, we're quite slowin effectively managing our borrowing, but it's not as if thetools aren't there to help us. Moneynet, for example, not onlyprovides pricecomparison research for loans and credit cards; it alsooffers a tool to help you manage your finances online -securely, and has published a series of product guides to helpconsumers make sense of their finances.
The increase in young people entering higher education - andthen leaving with has also provoked many financialinstitute companies to review their product portfolio, targetinggraduates who want to get one foot on the property ladder andthe other foot on the career ladder. Barclays for example,offers several graduate products on its loans page ( http://www.barclays.co.uk/loans-index/
Bank of England Surprises with Base Rate Hike
The surprise 0.25 percentage point hike in the base rate by the Bank of England to 4.75% left the majority of borrowers and economists wrong footed, sending UK equities, Gilts and short sterling falling. But with inflation the only focus of the BoE, the question may not be if, but when will rates rise again?
Paid Volunteers Needed for Debt Consolidation Documentary plus Debt and Relationships Article
People needed for prime time BBC1 documentary on debt consolidation companies, remuneration available. Also people/couples required for proposed Daily Mail article on debt and relationships, remuneration offered.
Bad News for Bad Faith Bankrupts
Official Receivers target "Bad Faith Bankrupts" with Bankruptcy Restrictions Orders, enabling them to impose bankruptcy restrictions for up to 15 years.
Home Repossession Orders Soar 66 Percent
Mortgage repossession orders issued in the three months ending September surge to 19,687, levels not seen since the third quarter of 1993 and the dark days of the property recession.
Flexi-rate credit card rewards faster repayment with lower interest rate
New credit card with a flexible interest rate which reduces the more you pay off your debts each month to help those who want to pay off their credit card balances get out of debt faster.
Six Top Credit Score Killers
Six top credit score killers. Declined credit but the lender won't tell you why? These are the six most common reasons for lowering your credit score.
Correcting Errors on Your Credit File
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Tougher Bankruptcy Restrictions for Middlesbrough Man's Credit Card Spending Spree
A Middlesbrough man has become the first person in the North East region to be subjected to tougher bankruptcy restrictions as he was found guilty of "unreasonable extravagance".
More Borrowers Plan to Reduce Their Debts
Half of people with debts say they plan to cut their borrowing over the next six months, three times the level of six months ago, according to the Nationwide building society's latest Consumer Confidence Report.
Zero Rate Balance Transfers: R.I.P.
It could be the end of 0% balance transfer deals on credit cards as providers are forced to introduce charges in order to stem the losses caused by "rate tarts" who continually switch from one zero rate deal to another.
), including career development personalloans, professional studies personal loan and a graduatepersonal loan.
Whilst young people may not be saving, they do tend to be moreadept at using the internet for online shopping. Not only doesshopping online often save you money, it's also more convenient.Without moving from your home, you can do all of your Christmasshopping in one session. Whether you're looking for the latestSony Ericsson 3G mobile ( http://www.sonyericsson.com ), an engraved iPod from Apple ( http://www.apple.com/ipod/), or even a classic piece of jewellery from H Samuel ( http://www.hsamuel.co.uk/webstore/jewellery.do ) - it's all online. Andwhether you're stocking up from Tesco ( http://www.tesco.com ) or goingfor something a bit more upmarket like a Christmas hamper ( http://www.christmashamper.com/ ), the internet allows you to order exactly what youwant and get it delivered to your door.
If you're new to shopping and banking online, moneynet offers acomprehensive guide to personal finance at Christmas andsites such as Kelkoo and Ciao will give you a head start tobegin finding the best price for your Christmas shopping. Famousonline brands like Amazon and eBay will also offer you anextensive range of conventional and less conventional Christmaschoices at discounted prices.
Shopping online is now as secure as high street shopping andgiven that the internet is open 24 / 7, you can now shop whilstthe kids are in bed. About the author: Rachel writes for a variety of online publications, includingher own personal finance blog Cashzilla.
http://www.cashzilla.co.uk
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