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Guest Post

Saving Money with Voucher Codes

Supermarkets often release new vouchers and deals on a weekly basis. One of the worlds’ favourite supermarkets is Marks and Spencer, and although their products are premium price, you can always pick up a voucher code to receive discounts.

Businesses and retailers are actively trying to push online sales. You can take advantage of this by buying more online. In fact you’ll find that a lot of companies have deals on first online orders, online bulk orders and more.

A great way to save money is to set up email alerts. Register with discount websites to get exclusive offers from your favourite retailers. For example, a lot of retailers won’t promote their offers in store, meaning they are only available online.

Download smart-phone Apps. Apps are downloadable on most new phones. It’s worth downloading coupon code phone applications to check discounts whilst you’re out and about.

Transport to your local store such as the bus and tube services can be extremely expensive. So if you can, you should benefit from free order deals which can be found quite frequently.

Guest Post

Reduce Your Energy Bills and Boost Your Cash Flow

Times are hard. The price of living is ever increasing and household expenses can make it near impossible for families to indulge in paid leisure activities. The strain of finding the balance between maintaining a happy home, meeting bill payments and ­­­enjoying life experiences is becoming increasingly difficult.

Horizons, the foodservice consultancy, recently released a report surrounding 2011 dining figures which states that there has been a further decline in the amount of individuals who are choosing to eat out. 2011 saw a massive 26 per cent year-on-year decrease, with a huge 92 per cent of diners spending less than £25 per meal.

Statistics such as these reflect our current state of living. As many members of the Great British public struggle to pay monthly food bills, dining out and days away can seem like a pipedream. Little energy efficient changes within your household can make a big difference.

Understanding your family’s water, gas and electric usage is the first step to reducing your monthly outgoings. Staying with the same supplier doesn’t always secure the best prices. Loyalty isn’t always rewarded, and with great deals from companies such as British Gas on fixed rate, fixed term contracts, you might find switching the most cost efficient option for you.

When selecting a supplier, features within energy packages can potentially cut your expenses. British Gas Smart Meters and energy efficiency experts offer individual insight into your energy consumption. This small changes can be made within your daily routine to save you money while benefiting the environment.

British Gas Smart Meters are currently being installed by experts across the country, with British Gas committed to installing an impressive two million meters by the end of the year. Much more than a fancy gadget, Smart Meters allow customers to monitor and manage their energy usage by gaining an understanding of how and when they rely on resources.

This innovation in home energy comes hand in hand with recent legal commitments made by British Gas and five other leading UK energy suppliers. By autumn 2012 providers have promised to offer customers honest tariffs which are reflective of their energy usage. This alone is likely to reduce energy bills throughout the country.

A recent statement from the Cabinet Office highlighted that: ‘There are more than 120 different tariffs. Currently, seven out of 10 people aren’t on the best tariff for them.’

It continued, ‘despite the amount of energy they use varying over time… In 2010, 74 per cent of people did not change their tariff.’

Before the system is in full swing, it may be beneficial to ring your energy supplier and ask for an assessment of your current consumption. From this, customer service advisors should be able to offer guidance on the most suitable tariff for you.

In an extension to the information surrounding tariff solutions, Nick Clegg emphasised our current position:

‘We are undergoing a profound transformation within our economy. And for the first time ever our economic and environmental mantras are exactly the same: waste not, want not.’

This very mantra should be applied to the way you use energy around your home. By considering ecological sustainability, you will see a fall in the cost of your gas, electric and water.

Change all lighting in the home to energy saving bulbs, which are now available widely for much less than their original price. Energy bulbs will save you money progressively over periods of time due to the reduction in wattage and the lifespan of the light bulbs. In comparison to the one year lifespan of a standard bulb, energy saving bulbs can last well over ten years.

Turning your thermostat down just 1 degree C can save approximately £55 a year. Temperatures within the home can also be managed by shutting doors to particularly cold rooms in the house and opening and closing windows to encourage airflow. Draft stoppers are useful accessories which can ensure any warm air is trapped in living areas and cold breezes are kept out.

British Gas Smart Meters are making their way nationwide this year. With so many economic and environmental changes being enforced by government, 2012 is the best time to switch supplier. Monitor and manage your own consumption, take control of your individual energy efficiency, reduce your bills and boost your cash flow.

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Guest Post

How to Afford Law School

The average law school costs about $30,000 to $40,000 a year just for tuition. Living expenses typically cost upwards of $20,000 a year, depending on the type of city one resides within. Before one decides to make the choice to attend law school, it is always a good idea to consider the cost of law school. The following three factors should be seriously assessed prior to application process:

Loans and Scholarships

The way that a majority of law students pay for their education is through federal loans. Federal loans allow law students to pay for their tuition costs and have access to a reservoir of cash for living expenses. The average law school does not give out many scholarships to students. Students may be able to find additional scholarships from private organizations like the American Bar Association or other law firms in the area.

Research the Costs Before Attending Law School

It is important for one to see the entire cost of a legal program by using a financial calculator before he or she commits to a legal education. A person should look at his or her personal economic situation and compare it to the entire cost of a law school program. A student should consider how he or she will be able to make up for any additional costs that law school may incur. 

Students frequently need to buy a car, rent an apartment and maybe even buy a computer when they move to a new city to attend law school. They should make sure that they will have the financial means to afford these extra costs.

Use the Summers Wisely

During the summers, a law student may be able to meet living expenses by taking a job at a large law firm. Students are usually attracted to taking on jobs at large law firms because they pay at least $2,500 to $3,000 a week. With these types of salaries, students can pay off their cars, pay for living expenses and maybe even pay off some of their tuition from the school year. 

The summers are a prime time for students to earn the money that they will need to survive during the school year and to pay for a bar exam prep course upon graduation. The typical bar exam prep course costs $3,400 so students should be prepared to have the cash to pay for this too.

The preceding factors should be looked at carefully by a student before committing to law school. Doing so may enable a law student to afford the education without going totally broke.

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Guest Post

Don’t put yourself out of pocket paying care home fees – you could claim it back!

If you or a relative has a serious, long-term health condition, you could qualify for NHS Continuing Healthcare. This means the NHS must fund the full cost of your care, including accommodation and nursing costs if you live in a care home or pay for nursing care at home. 

To qualify for continuing care, you must have a ‘Primary Health Need’. The NHS is legally obliged to provide a full care and funding package for anyone over the age of 18 who has a Primary Health Need resulting from disability, accident or illness. 

Continuing care is not means tested, so anything from your income and property, to your assets are not considered during the assessment process. The eligibility criteria only relate to your health needs. 

Paying for care either at home or in a care home can be extortionate. People with progressive conditions such as Alzheimer’s disease, dementia or multiple sclerosis (MS) often face the prospect of needing long term care over many months or years, with costs spiralling to over hundreds of thousands of pounds over time. 

All too often, seriously ill people are having their savings eroded and are being forced to sell their homes to pay for care that should be funded by NHS Continuing Healthcare.

Unfortunately, many people are wrongly denied NHS funding, and many more could claim money back for care fees they have already paid. 

Cheselden, an online continuing care service can help you. With their assistance and expert advice, they will help you: 

  • Reclaim any wrongly paid care fees
  • Have nursing home fees refunded
  • Avoid care home fees altogether

Cheselden is here to help people either reclaim care costs that should not have been paid, or avoid paying nursing home fees in the first place. They are committed to dealing with all continuing care cases fairly and correctly, so that eligible patients get the refunds and/or on-going funding they deserve. 

To find out if you are eligible for these service and for free impartial services check out the Cheselden website. 

Bio: This blog was written by Cheselden, an online continuing care service that helps you avoid care home fees.

Guest Post

Your Debt-Free Future

If you are in debt as you read this you may be thinking you are a million miles away from becoming free of financial worries. When you read your household budget and the figures just won’t add up, then it is time to call in the debt professionals. Do this straight away – don’t make your situation even worse by cancelling essential outgoings such as pet insurance. This relatively small monthly premium may well save you thousands in the long run. 

When you decide to enlist the specialist help of a reputable debt advisory service, choose one that is a member of DEMSA and is approved by the Office of Fair Trading. When you make that initial call you will be so glad you did because it is by speaking to a debt specialist that you will realise that you are not alone. There are so many people in the UK in debt, but fortunately there are professional debt management companies to help them get out of the debt mire. 

After consultation your advisor will be in a position to suggest some options to get you debt free as quickly as possible. These options may include debt consolidation, which works by taking out a single loan that is enough to pay off all your creditors. The money borrowed is at a lower interest rate so you have the opportunity to repay the balance more quickly. 

Another option may be an IVA (Trust Deed). You become eligible for an IVA if you owe debts of more than £15,000 and once your make all the payments as regulated you will be debt free within 60 months. When you enter into an IVA or Trust Deed it is a legally binding contract and you must ensure you make all of the payments. One of the many advantages of an IVA is that interest becomes frozen and any remaining monies outstanding after the 60-month period are written off and your debt is marked as satisfied. 

Every debt advisory service of good standing will have both debt consolidation experts and IVA advisors on the team so you will always have a qualified debt representative at your disposal.

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