Cassiefairy – My Thrifty Life

Cassiefairy's thrifty lifestyle blog – Saving money every day with DIY crafts, sewing projets, low-cost recipes & shppping tips

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How to save money on ALL your bills today

Some people call it ‘tight’, other’s say I’m being ‘stingy’, and some would even nickname me Scrooge. But I say; why wouldn’t you want to keep hold of as much of your money as possible? Okay, okay, let’s call it what it is: I’m a money-grabbing scrimper. And I’m proud of it. Because I know all the tricks of the trade that can help me save money on everything.

Now, I’m not talking about cutting costs when buying gifts, going out on a date, treating your family to a lovely day out etc. No – these are the very reasons why I want to save money: to spend it on what really matters. I want to have spare cash to buy tickets to see my favourite comedian on tour, or to find a fabulous money-no-object birthday gift for my nephews and nieces. But how can this be done when all your earnings leave your bank account by direct-debit every month? By cutting the cost of your monthly bills, that’s how! And I’m going to tell you how to do it right now…budgeting money saving finance tips for university freshers students_-2Be loyal.

As an existing customer, a brand won’t want to lose you. You make up part of their regular annual income so they don’t want you to wander off and join up with a new provider, taking any profit away with you. Therefore, you may be able to haggle for a better deal than a new customer. This is certainly the case with mobile phone, TV and broadband providers. Look at it this way; you already have their technology in your home (be it a Sky box, hub or phone) so it doesn’t cost the brand anything more to keep you, therefore why wouldn’t they give you a discount? New customers get free connections, free hardware, free software etc and all you’re asking for is a smaller bill. Wait until the end of your contract and get on the phone to your service provider. Tell them you want to leave and you’ll get put straight through to someone who has the power to bargain with you. I found a list of helpful haggling phrases in this #ChallengeYourBills article online, such as “I’ve calculated my monthly budget, it’s £X a month maximum. I have nothing more” so pick a phrase, a price and stick to your guns. And be ready to leave if necessary…budgeting money saving finance tips for university freshers students_

Don’t be loyal. Continue reading “How to save money on ALL your bills today” »

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Stash your cash in 2016 by maximising your finances with Ofgem

Want to maximise your finances this year and keep hold of as much cash as possible? I do too. You probably know that I’m a rather thrifty lady and that I’d make any changes to my lifestyle in order to live better for less. But thankfully, this option doesn’t require any big changes, no hardship and not going without. It just allows you to hold on to more of your hard-earned pay packet at the end of the month. Read on to find out how I made some easy changes that could save me up to £200 this year…back to school new term autumn blog project-2Let me set the scene: 2016 is the year of saving for me. Okay, I try to save as much as I can every year – and I don’t just mean saving money in my ISA. I also mean minimising the amount I spend on all the little things that add up throughout the year. Just shopping around online, buying secondhand and picking up the end-of-line items in the supermarket can all add up to a rather large stash of cash by the end of the year. Even though I’ve been frugal all of my life (being a student for 7 years, I had to be careful!) this year counts more than ever because I’m saving with purpose. I’m buying a house this year!budgeting money saving finance tips for university freshers students_-2At least, that’s the plan. I expect that you’ll see me blogging about my new front door before the year is out (as long as I can find somewhere lovely that I want to live, that is!). But I need a big deposit and I need to keep putting the pennies into my piggy bank to save for that. Actually, it’s not so much that I need a big deposit, but more like I want to have a big deposit so that 1) I can afford a house that might be out of budget otherwise, or so that 2) the loan-to-value will be lower and my mortgage rate will be better, or so that 3) I own more of the house to begin with and am paying less each month on the mortgage.budgeting money saving finance tips for university freshers students_ Continue reading “Stash your cash in 2016 by maximising your finances with Ofgem” »

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