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OCTUBRE TRAERA LA MISERIA A MUCHOS.
Tochovista en sus escrituras lo predijo. Alabado sea.
How October will bring money misery for many
No os desvieis del recto camino del lonchafinismo y la preparacion del Mad Max. Si lo haceis Tochovista os guiara el camino por verdes pastos, abundantes viandas y autosuficiencia energetica.
El Daily mail tambien facilita 5 reglas lonchafinistas para sobrevivir a Octubre:
1) Hacer un presupuesto mensuak
2) Comprobar si tienes derecho a paguitas y usar una calculadora de paguitas UK para ver cuanto sacarias
3) Recorrer 10 supermercados y cambiar proveedor de energia, gas, agua
4) Ver si puedes tener descuentos en el IBI ingles
5) Darte de baja de NETFLIX
Five budgeting tips
Insurer Royal London, which has partnered with charity Turn2us, has outlined five steps you can take to save money.
1. Write a monthly budget
If your income has reduced, you will have to consider your spending and one of the best ways to do this is by working out a monthly budget.
Start by working out how much money you will need to cover your monthly essentials such as your rent or mortgage, utility bills, council tax and any other debts, such as credit cards and/or personal loans. Once you've done this, you should have a clearer picture of how much money you have to spend on areas such as your weekly shop.
2. Check your benefits entitlement
It can be complicated to work out what state benefits you are entitled to. Charity Turn2Us have a benefits calculator to check your entitlement to means-tested benefits. The results page will tell you which means-tested benefits and tax credits you may be entitled to and how much you may receive.
3. Shop around and switch your household bills
You can save money by shopping around and looking for better deals for energy, broadband, and car and home insurance.
Normally, you would be able to save money on energy bills by switching from the standard variable tariff to a better deal. However, volatile energy pricing means that this may be the cheapest option at the moment. It's worth double checking with your provider that you are on the best tariff available to you.
Broadband tends to be more expensive for those who are 'out of contract' - 20million customers according to Ofcom are 'out of contract' and therefore likely to be over-paying.
4. Check your eligibility for help with council tax
If you don't think you will be able to afford to pay your Council Tax because you're now on a lower income or claiming benefits, you might be eligible for a council tax reduction. What you get will depend on where you live, your circumstances, your household income and whether you have children or other dependants living with you.
5. Review your subscriptions
If you are having to get by on a reduced income, your focus should be on covering essential costs such as your mortgage or rent, utility and food bills and cutting back on non-essential spending.
It's worth having a quick look through your bank tras*actions and credit card statements over the last few months to remind you of any regular payments that come out.
Tochovista en sus escrituras lo predijo. Alabado sea.
How October will bring money misery for many
No os desvieis del recto camino del lonchafinismo y la preparacion del Mad Max. Si lo haceis Tochovista os guiara el camino por verdes pastos, abundantes viandas y autosuficiencia energetica.
El Daily mail tambien facilita 5 reglas lonchafinistas para sobrevivir a Octubre:
1) Hacer un presupuesto mensuak
2) Comprobar si tienes derecho a paguitas y usar una calculadora de paguitas UK para ver cuanto sacarias
3) Recorrer 10 supermercados y cambiar proveedor de energia, gas, agua
4) Ver si puedes tener descuentos en el IBI ingles
5) Darte de baja de NETFLIX
Five budgeting tips
Insurer Royal London, which has partnered with charity Turn2us, has outlined five steps you can take to save money.
1. Write a monthly budget
If your income has reduced, you will have to consider your spending and one of the best ways to do this is by working out a monthly budget.
Start by working out how much money you will need to cover your monthly essentials such as your rent or mortgage, utility bills, council tax and any other debts, such as credit cards and/or personal loans. Once you've done this, you should have a clearer picture of how much money you have to spend on areas such as your weekly shop.
2. Check your benefits entitlement
It can be complicated to work out what state benefits you are entitled to. Charity Turn2Us have a benefits calculator to check your entitlement to means-tested benefits. The results page will tell you which means-tested benefits and tax credits you may be entitled to and how much you may receive.
3. Shop around and switch your household bills
You can save money by shopping around and looking for better deals for energy, broadband, and car and home insurance.
Normally, you would be able to save money on energy bills by switching from the standard variable tariff to a better deal. However, volatile energy pricing means that this may be the cheapest option at the moment. It's worth double checking with your provider that you are on the best tariff available to you.
Broadband tends to be more expensive for those who are 'out of contract' - 20million customers according to Ofcom are 'out of contract' and therefore likely to be over-paying.
4. Check your eligibility for help with council tax
If you don't think you will be able to afford to pay your Council Tax because you're now on a lower income or claiming benefits, you might be eligible for a council tax reduction. What you get will depend on where you live, your circumstances, your household income and whether you have children or other dependants living with you.
5. Review your subscriptions
If you are having to get by on a reduced income, your focus should be on covering essential costs such as your mortgage or rent, utility and food bills and cutting back on non-essential spending.
It's worth having a quick look through your bank tras*actions and credit card statements over the last few months to remind you of any regular payments that come out.
