Saturday 28 March 2015

Week 3 - Supermarkets

I buy stuff from supermarkets and I do like a bargain! This is what I tend to do when shopping about! 

Hint: DO NOT buy anything that you do not need! A lot of people buy things that is on a 'sale' but don't need it. Just think if you actually need it!

Hint: Make a list of items you need and what you already have before you go out. Why buy the same thing over again when you already have it?!
Hint: Beware of the BOGOF or the 241's etc. Sometimes these are good value and sometimes not. Look for the single equivalents to see if there are any better deals!

Hint: Don't forget places like Poundland or Home Bargins. They sometimes have decent stuff at a good price!

How do I check if what I am buying is the cheapest?
Look at mySupermarket
With this site you can look to see where the item is the cheapest! Also if you want to save even more, use the alternatives that they suggest - ie downshift and get a different brand than the more expensive ones you might already be buying.

IPHONE/IPAD APP


Also use the app. You can scan the item with your phone to see the costs elsewhere!

Big 4

Hint: Split your shopping into 2 parts. When you pick up the item, if a deal or reduced then separate out to what is normally full price. Then fill in www.asdapriceguarantee.co.uk and see what you can get as a voucher!
Hint: When shopping use the mysupermarket app to see if the item is cheaper elsewhere, if not, then put into the full price pile!

Discounted gift cards. Some gift cards are discounted here so if buying items it is worth getting the gift cards then spending them in the respective stores.
WARNING: Gift cards have no protection if the organisation goes bust. They effectively will have no value. Please use asap when receiving them.
Morrisons Miles - Collect points every time you fill up and exchange for money vouchers
Nectar points. These can be accumulated at a number of outlets so keep the card on you!
Use the app. They have addidional points that can be obtained with buying certain items
Nectar events. Everyso often there are extra deals from nectar points. Keep an eye out for these and capitalise on the extras!
Fuel: They sometimes run offers where you spend £x and get 1p off a litre etc. Beward though as 1p off a litre on a 50 litre tank is only a 50p saving!

Clubcard points. Sometimes Tesco allows points to be exchanged into other vouchers, but you get 4 times the value!
Warning: There are hints that clubcard may disappear in the future, so if this happens make sure you use the points before they expire!
Clubcard: Log into you online account with your clubcard. There may be unsued cash vouchers on there that haven't been used!
Fuel save: If you spend a lot at Tesco then you can get money off your fuel. Beware though as 1p off a litre on a 50 litre tank is only a 50p saving!

Smaller operators - See article about the rise of these here!

Weekly deals available. Please refer to their website for these.
Weekly deals available. Please refer to their website for these.

Weekly deals available. Please refer to their website for these.

At the upper end of the cost scale, however sometimes the branded items can be cheaper. Use mysupermarket for cost analysis!

At the upper end of the cost scale, however price reductions can be quite good if you catch them right!

Tuesday 17 March 2015

Week 2 - Cashback sites – Buy the same stuff, but get some cash back!


Cashback sites work by passing on some of the advertising revenue onto you that they receive for the referral. Think about google ads. If they get cash for each time you click the link, why shouldn't you as well?!

The best and biggest sites are Topcashback and Quidco.
To sign up to these sites visit

Topcashback link
And
Quidco link

There are a couple of smaller cashback sites so use the maximiser to see where you can get the best rates!
Cashback Maximiser

All you need to do to use these sites is login to the site. Search for the place that you are purchasing the item from (clothes, insurance, mobile phones etc – the list is almost endless!) and click the link that is there. Just use the website you are now on in the same way as you would normally do and in a few months you will get some cash back!

On Topcashback you are able to take the money as vouchers as well. Sometimes this also gives you a bit of an uplift to the rate you will receive!

As of 04/03/2015 I have ‘earnt’ £186.20 from topcashback and a whopping £840.44 from quidco. Not bad for buying the things that I would have bought anyway!


Caution: if you have cashback withdraw it as soon as you can. If the site goes bust, then you will have lost the full amount and have no chance of claiming it back

Tuesday 10 March 2015

Week 1. Gas and Electricity

Gas and Electric – Steps to follow for great rates…All of the time

1.       Call your existing provider and ask for your annual usage of energy in kw/h
2.       Ask for the specific tariff name you are currently on
3.       Enter your details into www.moneysavingexpert.com/cheapenergyclub
4.       See what you can save based on your usage!
5.       Be careful though. If you think energy rates are going to reduce then ensure that you           select a tariff that has no exit penalties.
6.       Monitor this (at least) each year, set up an alert on the energy club for savings that               you want and you’ll be informed when this has been reached. Then just switch again!

For additional savings and cash back look at the following:
1.       If you apply through the energy club then you will get up to £30 cashback (I know it               works as I have done it myself!)
2.       For potentially more cash back apply through topcashback or quidco. (Guides on this           will follow in the coming weeks)

It is also worth checking the following for extra deals:
Sometimes there are bulk switching deals. There are where lots of people club together and you benefit from a collective switch deal.
These are time sensitive deals.
Noddle Collective Switch - ends 22nd March
Sheffield Collective Switch - ends 22nd March

Utility Warehouse

For some people Utility warehouse may be a good option. The best thing to do is look at your personal circumstances to see if it is.

For more information please click on the Which guide to Utility Warehouse that gives a unbiased view of this offering. I have not used this option as it doesn't work for my circumstances.

Which guide
Pros: One bill for all utilities, shopping vouchers for referring friends
Cons: It needs to improve its processes and isn’t that cheap, despite offering discounted bundles of services