Owner: Wallet Watcher URL:http://www.walletwatchershow.com Join Date: Sat, 19 Apr 2008 15:20:50 -0500 Rating:0 Site Description: Personal finance advice you can trust. Site statistics:Click here
Personal finance companies 2008-04-18 03:23:43 The credit crunch and its attendant problems for UK consumers are focusing people’s attention as never before (well not since the early nineties anyway) on getting their finance
s sorted, and we’ve had a raft of enquiries as to whether there are personal finance companies that can actually help you get your finances back in order. [...] Read more:Personal
Podcast episode 021 2008-04-15 11:09:36 This week on the Wallet Watcher personal finance podcast John Rennie talks about:-
Always make a shopping list
Shop at the bargain sheds
How to quadruple your supermarket loyalty cards
Setting up Direct Debits
Always great to hear from you, our email address is walletwatcher@btpodshow.com with your [...] Read more:Podcast
Setting up Direct Debits 2008-04-15 10:52:16 This week I look at making your life easier and your bank balance healthier, by using direct debits to the maximum.
But let’s get our terminology straight before we start. As well as direct debits (where a company draws money from your bank account), there are also standing orders (where you tell your bank to pay [...] Read more:Setting
, Direct
How to quadruple your supermarket loyalty cards 2008-04-15 10:49:57 Don’t automatically redeem your supermarket loyalty card points instore.
For instance if you go to the Tesco Clubcard website and you can turn that £2.50 worth of points into £10 of deals tokens, to be spent at Cafe Rouge, on subscriptions to Gardeners World magazine, or turned into Air Miles or trips on Eurotunnel, for example.
A [...] Read more:quadruple
Shop at the bargain sheds 2008-04-15 10:49:11 Tesco, Sainsbury, Asda and the like make a big play of beating the opposition on price. Notice they don’t mention the likes of LIDL, Aldi and Netto, because they’re NEVER going to be as cheap across the board as these bargain basement shops.
If you’re a person who likes to shop at Waitrose because you get [...]
Always make a shopping list 2008-04-15 10:47:04 Shopping with a list disciplines you to only buy the stuff you set out to buy.
Be aware that you’re getting seduced into spending more than you’d planned every time you go into a mid or upmarket supermarket.
Cunningly positioned carousels of coffee cake; two-for-one deals on cases of Stella; the smell of fresh bread wafting from [...]
Financial deal of the week … credit card balance transfers 2008-04-14 02:03:40 My financial deal of the week is credit
card balance transfers. There’s no argument that the credit crunch is making it harder than ever to borrow money, be it mortgages, on credit cards or personal loans. And many of the best credit card deals (long-term O% on purchases and free balance transfers) have been quietly [...] Read more:Financial
Bank of England interest rate cuts 2008-04-10 16:35:19 As widely expected, the Bank of England
cut base rates to 5% today but it was cold comfort to lots of us with mortgages, as lenders continued to withdraw fixed rate loans, raise the interest rate on the same or attach hefty arrangement fees to new mortgages. We’ve seen a succession of Bank of England [...]
Podcast episode 020 2008-04-09 09:04:07 On this weeks personal finance podcast John Rennie gives personal finance advice on:-
Drop the landline
Free stuff sent to you
Affordable herbs
Independent financial advice investment
We want to hear from you, you can send your emails to walletwatcher@btpodshow.com. We also have fresh articles on the Wallet Watcher blog including Why’s my mortgage so expensive?, Car finance calculator, How [...] Read more:Podcast
Independent financial advice investment 2008-04-09 08:48:53 In my article this week I look at independent financial advisers. How do you get one? Do you even need one? How much does a financial advisor make?
We are constantly told to consult an independent financial adviser (or IFA for short) to get our finances in order.
In fact, if I go to Google and type [...] Read more:investment
Affordable herbs 2008-04-09 08:47:26 In the spirit of Jamie Oliver, grow your own herbs. Rosemary, mint, sage and the rest are possibly the most overpriced items on the supermarket shelves, and all you need are a couple of pots and some compost to have a regular supply of affordable herbs. No garden required if you have an indoor herb [...]
Free stuff sent to you 2008-04-09 08:46:29 If you want to know how to get free stuff
sent to you and give free stuff in return then head over to freecycle.org.uk - one of the best free stuff forums we’ve seen. This is one of the greatest and greenest ways to reuse absolutely free stuff and save money ever devised. There are [...]
Drop the landline 2008-04-09 08:45:16 Do you have a landline phone AND a fixed tariff mobile contract? Then ask yourself why - when you can make all your calls on your mobile at no extra expense. It could be time to get radical and lose the landline. You’ll save around £130 a year in rental charges.
Tags: landline, fixed tariff mobile [...]
Why’s my mortgage so expensive? 2008-04-04 04:07:07 The Bank of England gave a strong indication this week that interest rates would fall yet further, with another quarter per cent cut likely on 10 April 2008, taking base rate down to 5%. And yet the question many of us are desperately still asking is … why’s my mortgage so expensive?If you were farsighted, [...]
Car finance calculator, vehicle finance calculator 2008-04-01 12:55:56 It’s possibly the biggest financial mistake people make - but many of us will go to our graves not knowing the difference between capital (or principal) and interest. And it’s a killer, because it WILL be the difference between your wealth growing, or money passing through your hands like sand. To illustrate the importance, and [...] Read more:finance
Podcast episode 019 2008-04-01 06:56:39 On this weeks personal finance podcast John Rennie gives personal finance advice on:-
Buying vs leasing a car
Pay as you go car rental
Follow the rules for car pooling to save money
Pension choice advice
We want to hear from you, you can send your emails to [...] Read more:Podcast
Pension choice advice 2008-04-01 06:27:01 The good news is that Britons are living longer and healthier lives. The average man born in 1950 can now expect to live to 80. if you were born in 1980 you can expect to live to 85, while boys born now will be living into the 90s. Women are even better off, living an [...] Read more:Pension
Follow the rules for car pooling to save money 2008-04-01 06:24:52 Consider community car share and car pool schemes. These range from sharing a lift to work, to getting together to save money, reduce traffic and help the environment by sharing the school run. You can go further by buying into a jointly owned vehicle. Providing you’re flexible about when you want to travel you can [...] Read more:pooling
Pay as you go car rental 2008-04-01 06:23:57 Maybe you only need a car occasionally. In which case, consider one of the growing number of companies that hire cars not just by the day but by the hour. Streetcar is typical, with pay as you go car rental vehicles. Enter your postcode on the website and they’ll give you the nearest location where [...]
Buying vs leasing a car 2008-04-01 06:22:46 If you want the convenience of having a car outside your front door, but don’t want the hassle of buying, MOT’ing and the rest, then why not consider car leasing. You don’t ever own the car, but then you can simply hand it back at the end of your contract - and receive a brand [...] Read more:Buying
Personal financial and budget planning 2 … pay less tax 2008-03-28 02:33:32 It’s entirely understandable that people should be sitting on their wallets at the moment. The credit crunch, volatility in share markets and falling house prices have driven a lot of us to keep our money in cash and personal financial and budgetplanning
has been put aside by many Britons. As readers of previous posts [...] Read more:Personal
Financial deal of the week 28 March 08: Get an ISA now 2008-03-27 08:37:59 Okay, each week I’m going to be plucking a plum financial deal from the monetary cybersphere that I think subscribers and readers to Walletwatcher should be getting into. Sometimes they’ll be excellent savings accounts, sometimes a particularly interesting credit card deal, and sometimes a source of free money or other giveaways … hard to believe [...] Read more:Financial
, March
Financial tips of the week: adverse credit problems UK 2008-03-25 03:01:21 The credit
crunch is the phrase being heard everywhere just now. Most of us will never really grasp the problems
afflicting Northern Rock, Bear Sterns and the rest and have no wish to dig into the arcana of the financial markets. But adverse credit problems UK become a reality when we try to remortgage, get [...] Read more:Financial
House prices in my street 2008-03-20 06:11:28 With ever more stories about global financial meltdown hitting the papers, property buyers and sellers in the UK can be forgiven for getting a little nervous. Do you sell? Do you buy? Will you even get a mortgage? But the one question you’ll be asking is ‘what about house prices in my street‘: the rest [...] Read more:House
Podcast episode 018 2008-03-19 05:37:05 On this weeks personal finance podcast John Rennie gives personal finance advice on:-
Save money on cosmetics
For cheap contact lenses buy online
Save money on gym membership
Avoiding techniques that salespeople use
We want to hear from you, you can send your emails to walletwatcher@btpodshow.com.
This episode of Wallet Watcher is brought to you with GoDaddy and offers you great [...] Read more:Podcast
Avoiding techniques that salespeople use 2008-03-19 05:28:42 There are soft sells and hard sells, active sells and passive sells but one thing is sure - if you are buying a consumer durable, financial product or even a bar of chocolate, then you are being sold to.
Fair enough, you say. I want to buy stuff. So what are the advanced sales techniques and [...]
Podcast episode 022 2008-04-23 09:28:44 This week on the Wallet Watcher personal finance podcast we talk about:-
What is a principal sum?
What is compound interest?
Pay yourself first
Council Tax rebanding
Thanks for the emails, keep them coming in to walletwatcher@btpodshow.com. Also be sure to pay a vist to the Wallet Watcher blog for articles on petrol prices in the UK, personal finance companies, [...] Read more:Podcast
Council Tax rebanding 2008-04-23 08:59:42 Hardly anyone has a good word to say about the ever-rising Council
Tax, yet we all grumble and pay up. Yet, while you can’t do much about the rates of Council Tax, you may be able to get your property switched into a cheaper band. And Council Tax rebanding means you can enjoy savings of [...]
Pay yourself first 2008-04-23 08:58:06 A long established financial principle. Set aside a sum you WILL save each month - it can be £50 or £500 - and set up a standing order to salt it away in a savings account. If you wait till all the bills are paid before you tuck something away you never will. Pretty soon, [...]
What is compound interest? 2008-04-23 08:57:39 This is the rule whereby you earn interest on your interest on your interest. It’s not going too far to say it’s the rock on which capitalism is built. Apply it to property, to investments, to any form of capital in fact and it will slowly, steadily make you rich.
Tags: compound
interest, compound interest explained
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