April 7th, 2012
The new tax year is now here, it would have been difficult to miss the countless ISA related advertisements online and on the high streets over the past few weeks. All encouraging you to put money in an ISA to take advantage of your tax free allowance before April 5th but with constant cuts and an increasing cost of living it can be incredibly difficult to save money, especially when in return you are only getting 2-3% interest on your deposits.
Now if you are one of the many that has had to halt their monthly direct debits into their savings accounts you may be looking for different ways to increase their savings, there are easy and fun ways in which to do this, let’s take a look at them!
Most, if not all of the Pinterest users this week will have seen one of the most re-pinned pins, a jar full of $5 notes, in order to save money every time you have a $5 note in your purse put it in the jar! This is a simple concept and many of us in the past probably had a coin jar or something similar and either save for an occasion or dip in in an emergency but do you still do this? Placing notes of a higher value in the jar will also mean you save faster and instead of dipping in and out of the jar only allow yourself withdrawals when you are taking the money to deposit in your savings account! If you use your debit or credit card for most purchases this concept would encourage you to move back to cash which some people believe helps them spend less as next time you have a £5 hanging around your purse, skip the coffee and cake and place it in your jar! 3, £5 notes per week would quickly add up to almost £800 across the year.
If you don’t wish to use cash and never have any spare change available then why not look into the ‘Save your change’ scheme which is available at Lloyds TSB? Every time you make a payment using your debit card the amount is rounded up and the difference between that, and the amount paid is deposited into a savings account. 20p here and there will soon add up if you frequently use your card and as it’s such a small amount you will barely notice it leave your account.
Another way which can help you boost the balance of your savings account is through the cashback you receive from making your purchases at CashbackBay.com, when you withdraw your balance why not put it straight in a savings account?
If you are working towards an unrelated financial goal, such as losing weight why not deposit some money for every milestone you reach? A small amount you see growing every time you get one step closer to your goal will also work as a motivational factor!
April 7th, 2012
With the recent strange weather, 21 degrees of sunshine one day followed by 6 inches of snow the next you probably aren’t considering any of your upcoming summer outdoor purchases such as gardening equipment, barbecues and outdoor toys, but don’t be put off! There are currently lots of Easter special offers on various outdoor products and taking advantage of these offers and buying now will mean you won’t be paying more in the summer months!
Spring is the perfect time to get to grips with the gardening jobs and changes you put off last year, so if you were planning on remodelling your garden then use the current promotion codes and special offers in order to get a better deal! April also brings with it the beginning of the regular garden chores such as cutting the grass and now is a great time to replace your old lawnmower with various new models available and special offers to take advantage of.
B&Q at DIY.com have lots of deals which started on Friday 30th March and will be running until 12th April so still plenty of time to pick up an Easter bargain. The deals include web exclusive promotion codes such as 20% of Plum outdoor play equipment for children and 20% off decking supplies if you want to give your garden and patio area a new lease of life before summer arrives in all of its glory!
Homebase is offering a 15% off everything promotional code for their online shoppers over the weekend and if you shop with your Nectar card you get the chance to win 15,000 nectar card points! This promotion code combined with their weekly deals could help you save almost £400 on a patio table and chairs set and £130 on an Outback gas barbecue so the next time we have a heat wave there will be no need to rush around the shops trying to find a discount BBQ that hasn’t sold out!
In order to get the children in the garden playing more, how about splashing out on some outdoor toys from the hugely discounted range at Toys R Us which includes trampolines, swings and playhouses! You also get a £10 voucher if you spend over £40 which will be perfect if you have an upcoming birthday to buy a gift for!
Will you be shopping for outdoor deals this Easter?
March 25th, 2012
Although it doesn’t seem long since the Boxing Day sales, spring is now here and that means further sales and discounts from a range of popular stores and with the recent fabulous weather it is worth looking at the discounts available on a range of summer clothing and outdoor accessories.
Debenhams spring sale is up to half price off everything across all departments. For those that are jetting abroad this Easter or even just planning ahead for summer holidays there are 20 and 30% discounts on a wide selection of new designer swimwear. A Jasper Conran blue leopard print bikini top and bottoms can be purchased for £32, an £8 saving off the £40 RRP, as a holiday suitcase just wouldn’t be the same without a maxi dress. The Jasper Conran maxi dress which coordinates with the bikini, ideal for an evening meal without having to get changed can be purchased for £28, another massive £12 saving and speaking of suitcases, you can pick up an extra-large Samsonite case for £169, down from £229, with plenty of space to pack all of those holiday bargains. Read the rest of this entry »