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Saving money on day-to-day expenditure is one thing, but reigning in your habits to save even more is another one of life’s challenges and involves taking account of your spending behaviour on things that you just don’t need.

Everybody has habits in life and there are always ways that you can use them less to save more money. Such spending habits include eating out, drinking (alcohol) and smoking.

There are so many people that refuse to cook in the home and so pay more for the likes of takeaways and meals in restaurants which can put a really stretch on their finances. Eating out should be a nice treat and not something that should be a common occurrence, unless you’re absolutely made of money.

It is so much cheaper to do a modest shop at the supermarket and begin cooking food at home to cut down the costs. Reserve one weekend of every month to treat you and your family to a night out and these nights out will feel special and can be something to look forward to, as opposed to ruining the effect with several each week.

Smoking is a habit that costs individuals not only their health, but also a ton of money. Those who are on about 40-60 cigarettes a day will be spending into the hundreds each week and so cutting down or dropping the habit completely will enable you to save bundles of cash.

An alternative if you’re struggling to quit completely is to switch from the conventional cigarette to electronic cigarettes. E cigarettes are made so that you don’t inhale of the chemicals of a standard cigarette and also help you save money, as they are reusable and so the need to keep buying cigarettes is removed.

If you buy Electronic Cigarettes from Freshcig.co.uk you’d be able to both rein in your spending, as well as increase your health along the way.

Drinking can also be an expensive and unhealthy habit to participate in. Alcohol is a massive expense to some, as they feel the need to always have some in one form or another in their fridge or wine rack.

Like eating out, having a good drink with friends or just as a reward after work should not be seen as a regular thing and should again be regarded as a treat.

If you are able to combine all of these, then you will be able to save a great deal of money and in some cases, enjoy a much healthier lifestyle.

Look around, what do you see? I see a lot of people struggling with their finances. Did you know the fact that an average  family’s income is lower than it was a decade ago? How is that to you? Doesn’t it seem at least a little unfair? It surely does to me. Unfortunately none of us have heard that prices got also lower. So how do people manage to survive these days? Most of them are really bad at money management. And you are absolutely right, it leads them to having a debt. Some even have up 10 debts same time. Is there anything possible to do with your debt? Go on reading and you may find some good solutions for you:

1. First of all, try to keep a track of your debts. Put everything on list to have a better visibility on what you are at right now.

2. Be realistic about your monthly budget. Always know how much you can afford to spend during next 30 days. This will help you to have a better understanding of your everyday expenses.

3. Your credit payments. Do not stick with minimum. I know that they say that it is better to make small payments then not making it all. This is true of course. But your goal is to forget your debt as a nightmare, that is why consider making even more cuts in your budget in order to increase your payments.

4. Limit yourself in spending. Pay with cash. You cannot pay with cash= You cannot buy this thing.
5. Have only 1 credit card. In case you have more, lock them somewhere or at least use the one that has the lowest interest rate.

6. Work on emergency funds. Learn to prioritize emergency cases.

7. This is the part where you will have to say good bye to your outdoors activities for a while. Eat in, invite your friends to watch movies at home, spend more time with your family. Do not imprison yourself, just try to be more rational with your entertainment. Do not turn to fast cash online only because all of your close friends are going to some interesting trip and you also feel like can’t miss this event. It’s not worth it.

8. Never give up saving. No matter how hard it is, keep on saving. Set a goal, have a rough plan and do not stop.

There are plenty of ways to help you either to avoid having a debt or maybe guide you through difficult financial times. It can get really tough sometimes; just remember that no one but you can help yourself. Be wise with your money and believe me, life will reward you!

The raising expenses and increased prices of all the commodities have made most of the average earning households financially unstable. For people who live on pay cheques it is very difficult to manage the monthly expenses and live a stress free life. By the end of the month if any emergency arises and you do not have funds to cope with the crisis and are stuck in a financial turmoil. In such critical situations Payday loans is always the preferable option available.

A payday loan also known as a cash advance is a short-term loan that is accessible by any working individual. You can use this loan for any reason such as:

•  To pay pending bills that might be troubling you

•   To afford a sudden car break down

•   Pay for any medical emergency that has arrived

• Go for an unexpected tripetc.

You can avail the loan for any reason and you need not specify your reason. As this loan is a short-term loan you need not stay in debt for a longer time and can easily repay the amount with your next pay cheque.

Benefits of payday loans:

There are various advantages that you get when applying for cash advances such as:

• Hassle free process: the process for applying for the loan is simple and user-friendly. All you need to do is to fill out an online application specifying all your details and submit it to the lender. The entire process is carried out online only which means that you need not roam around the lenders to get your loan approved.

• Free from collateral: the loan approval process does not depend on any collateral submission; as it is an unsecured loan you are approved for the loan without providing any property documents or valuable assets.

• Accessible for people with bad credit: there is no credit check performed in order to approve the loan which means that even a person with a poor credit rating is eligible to get the loan approved.

• Instant approval: once you meet the basic eligibility criteria specified by the lender then your loan application is approved instantly without any further delay.

• Cash credited directly in account: after your loan is approved the amount is deposited directly in your account. You can withdraw the amount and use it to meet your emergency needs.

Energy prices have risen rapidly recently, and as a result, many households and businesses have looked at their monthly gas and electricity bills with a look of astonishment over how much they’ve been charged by their supplier. As a result, many energy companies are trying to persuade unhappy customers that, by switching to them, they can get a better deal, but is this actually true? It might sound tempting, but some energy suppliers contact people either door-to-door or via telephone without actually giving them a better deal after switching, which can be misleading.

Energy regulator Ofgem, which oversees energy companies in the UK including the so-called ‘Big Six’, says that if businesses and households are unhappy with their current energy supplier because they’re paying too much, they could switch in order to save money. Ofgem state that by failing to switch supplier, businesses could be spending at least £100 a year more than is necessary on their energy bills, which for smaller companies can be a significant amount of money that’s wasted.

To make sure that consumers are aware that they can find a cheaper deal elsewhere, Ofgem and Citizens’ Advice are launching a switching campaign called Energy Best Deal. The campaign claims that, by switching to a different energy supplier, businesses and households could save up to 40% on the cost of energy. The campaign states that, by making enquiries to several energy companies, trying to take advantage of special offers and visiting price comparison websites such as Make It Cheaper energy saving, it’s possible to cut energy costs without too much hassle.

However, switching supplier usually takes between six to eight weeks, so to get it done businesses need to allocate themselves time for it to happen, and they should remain patient. Also, businesses are advised to look at different companies, including smaller energy suppliers, to see what they have to offer. An increasing number of businesses are making the decision to switch to a smaller energy supplier from one of the ‘Big Six’ energy companies for several reasons. A spokesperson from makeitcheaper.com explained why:

“A number of our customers said that they trusted smaller energy suppliers more than the Big Six, especially because of their more reasonable prices and customer service. On top of that, 55% of those we spoke to said that billing issues were problematic, with 40% talking about poor customer service provision. Make It Cheaper was set up so that anyone who came to us would find the best possible deal for energy prices and customer service.”

or any businesses who may be interested in saving money on energy costs, they are hosting a two-hour free event in Twickenham, where Liberal Democrat MP and Business Secretary Vince Cable will be doing a Q&A session on small business issues. Anyone who attends can also network while receiving advice on how to save money for their company. It takes place at The Albany, 1 Queen’s Road, Strawberry Hill, Twickenham TW1 4EZ, and is on from 6pm-8pm.

There’s always at least one time in someone’s life when, with payday more than a week away, they find themselves a little short of cash. Not knowing what to do when it becomes hard to pay your next electricity bill or even for emergencies such as fixing a broken fridge, it can be hard to know who to turn to for help. To some people, it might seem like little more than a last resort, but taking out a fast little loan could make up any shortfall in income.

If you find yourself unable to get a loan or overdraft from your bank, and are worried about waiting for any money to come through, taking a payday loan out might represent your best chance of plugging that momentary gap in your finances. However, if you’ve never taken one out before and want to know what to do if you decide to go with it, what are the do’s and don’ts of payday loans?

One thing you should do is know how much you need. With payday loans, all you need to do is borrow the exact amount needed for whatever expense you have to meet. By doing this, you’re not taking too much and you won’t have to pay as much in interest when the time comes to paying it back in full. Once you’re sure of how much you need, try to borrow that amount: no more, no less.

Next, you should do a little research into how payday loans work. There are many providers such as Wonga.com where you can find out how you can take them out, how long the waiting period is before the money enters your bank account and how to repay them. It’s also worth looking into the level of interest you have to pay on such loans, as finding that out will help you budget for interest payments on top of the money you need to pay back to the lender.

Finally, it pays to shop around when looking for a payday loan. When searching for a payday loans alternative, you’ll want the best deal when it comes to waiting periods, interest rates, repayment windows and, most importantly of all, the amount you can actually borrow. If you find the right deal, then feel free to try and take a loan out with them, and pay it back at a time that suits you.